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I recently revised my homeowner's insurance post North CA fires, and the StateFarm lady said the default policy was around $350/sqft, which seemed low for Marin (and sonoma/Napa). I bumped that to $450 per sqft for an extra $200 a year. $550 seems like gouging to me, but how are you gonna avoid gouging there and now ? Finding a contractor in the north bay was hard before the fire, imagine now !
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