Pacific Grove

Home insurance for Pacific Grove homes

The Jeremy Carter Insurance Agency, an independent agency in Carmel-by-the-Sea, quotes home insurance for Pacific Grove homeowners through multiple carriers. Matt Menke (CA Lic. #4476998), a licensed producer with the agency, can review your current policy or a non-renewal notice and quote options, including the California FAIR Plan paired with a Difference in Conditions (DIC) policy when standard carriers decline.

What we look at on Pacific Grove homes

• Replacement cost for the dwelling, based on today’s rebuilding costs
• Age and condition of the roof, plumbing and electrical, with dates you can show
• Primary, second-home, rental or trust/LLC ownership
• Coastal exposure and any wind or water concerns the carrier asks about
• Liability limits and whether an umbrella policy fits

Non-renewals and hard-to-place homes

If you received a non-renewal notice, we start with other admitted carriers that still write homes like yours. When the standard market says no, we look at surplus lines carriers and the California FAIR Plan paired with a DIC policy, and walk you through the trade-offs of each. Surplus lines carriers are not backed by CIGA. More on our Monterey County non-renewal and FAIR Plan + DIC pages.

Auto in Pacific Grove too

If you also need a car policy, see our Pacific Grove auto insurance page.

Questions we hear

Who can help with homeowners insurance in Pacific Grove?

The Jeremy Carter Insurance Agency in Carmel-by-the-Sea quotes home insurance for Pacific Grove homeowners through multiple carriers. Matt Menke (CA Lic. #4476998), a licensed producer with the agency, can review your current policy or a non-renewal notice and quote options, including FAIR Plan + DIC when standard carriers decline. Call the office at (831) 717-8711 or request a quote.

What if my Pacific Grove home was non-renewed?

Start right away. In California an insurer generally has to give you at least 75 days’ written notice before it non-renews a homeowners policy. Send us the notice and your current declarations page so we can see which options are still open before the renewal date.

Do you handle FAIR Plan and DIC for Pacific Grove?

Yes. We help set up the California FAIR Plan with limits at replacement cost and quote a DIC companion policy for coverages the FAIR Plan leaves out, such as water damage, theft and personal liability. We explain surplus-lines / CIGA trade-offs before you choose.

Matt Menke · Direct (831) 224-2141 · [email protected]
The Jeremy Carter Insurance Agency · 327 7th Ave, Carmel-by-the-Sea, CA 93921 · Office (831) 717-8711 · We reply same business day.
Also: (831) 204-0393

Coverage descriptions are general summaries. All coverage is subject to the terms, conditions, exclusions and underwriting of the policy issued. Jeremy Carter CA Lic. #4187910 · Matthew Menke CA Lic. #4476998.