The Witte Team - exp Realty

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The Witte Team - exp Realty

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The Witte Team Brokered by eXp Realty. DRE #02102425. NV S. 0190008

11/03/2026

Happy National Sandwich Day! 🥪 What's your go-to sandwich spot in Orange County? Drop your favorite below. I'm always adding to my list of local gems to share with clients new to the area.

11/03/2026

Norte Fire, 17 days later: smoke damage claims

Some San Juan Capistrano homeowners whose houses survived the Oct. 16 Norte Fire are still dealing with soot and ash, CBS Los Angeles reported Nov. 2.

One family insured through the California FAIR Plan estimates $100,000 to $150,000 in damage. They told CBS LA the plan had not agreed to pay for deep cleaning and would cover two months of temporary housing. CBS LA said the FAIR Plan had not yet responded to its request for comment.

We keep a running list of California home insurance news, with a source for every item: https://cainsurancetracker.com/news

Source: CBS Los Angeles, Nov. 2, 2026. Not insurance advice.

– Mark, The Witte Team | eXp Realty

11/03/2026

Touring homes before pre-approval can make a great find harder to act on.

Common buyer question: Should I get pre-approved before I start looking?

Yes. Pre-approval helps clarify a comfortable price range and shows sellers you are prepared when it is time to write an offer.

Tip: Review the payment, not just the purchase price, so you can budget with confidence.

Ready to map out your next move? Let’s talk.

11/02/2026

Tomorrow, Tuesday, Nov. 3, California votes for its next insurance commissioner.

State Sen. Ben Allen and former San Francisco Supervisor Jane Kim, both Democrats, are running to succeed termed-out Commissioner Ricardo Lara. A Probolsky Research poll released Oct. 26 had Allen at 25%, Kim at 21%, and 54% of voters unsure.

Why it matters for homeowners: the commissioner runs the Department of Insurance, and in California insurers must file and justify home insurance rate increases before they take effect.

We keep a running list of California home insurance news, with a source for every item: https://cainsurancetracker.com/news

Sources: Probolsky Research poll, Oct. 26, 2026; Los Angeles Times, Nov. 2, 2026. Not insurance advice and not an endorsement.

– Mark, The Witte Team | eXp Realty

11/01/2026

Dana Point’s coastal market is rewarding sellers who launch with precision—not wishful pricing. 🌊

Buyers are still watching closely, but polished homes with a clear value story stand out fastest. Sellers: prepare the property, price against true competition, and make the first impression count.

Thinking about a move in Dana Point? Let’s map out your timing. 🏡

11/01/2026

The November issue of The Witte Team Magazine is here, and it's on me! 🍂 Holiday Brunch Bites, Christmastime in Grapevine, the sweet story of Little Susie's and more. Read the full digital edition free: https://magazine.remindermedia.com/book/mark-witte-1/alm-november-2026/1
If you or someone you know has real estate questions this season, I'm always happy to help. – Mark Witte, The Witte Team | eXp Realty of California
Contact card: https://hihello.com/p/27f0bdca-ec83-43df-b50b-db236459b5e9

11/01/2026

How big a hit did 2025 deal California's home insurance market? New national data puts a number on it.

Using the National Association of Insurance Commissioners' 2025 market share reports, Insurance Business calculated that California homeowners insurers had a loss ratio of 169.6% last year, meaning about $1.70 in losses for every $1 of premium earned. Nationally, the figure was 55.1%.

California wrote 9.2% of U.S. homeowners premium but accounted for about 28% of the losses, roughly $28.2 billion, mostly from the January 2025 Palisades and Eaton fires. California was the third-largest homeowners market in the country, with $17.73 billion in written premium.

We keep a running list of California home insurance news, with a source for every item: https://cainsurancetracker.com/news

Source: Insurance Business, using NAIC 2025 market share data, Oct. 29, 2026. Not insurance advice.

– Mark, The Witte Team | eXp Realty

10/31/2026

Happy Halloween👻🎃! Hope you all have a fun and safe time celebrating.

10/31/2026

Happy Halloween! 🎃

Whether you’re handing out candy, hosting a costume party, or enjoying a spooky movie marathon, we hope your day is full of fun—and just the right amount of fright.

Thinking about making a move this season? Let’s find a home that feels like a treat.

Mark Witte
949-269-7270 | [email protected]

10/31/2026

California lawmakers are weighing how to handle liability for utility-caused wildfires, and what it could mean for home insurance.

At a joint oversight hearing of the Assembly's Utilities & Energy and Insurance committees on Thursday, Oct. 29, legislators heard testimony on "subrogation," which lets insurers recover claim costs from a utility after a utility-caused fire. Utilities want that liability reduced.

In a letter ahead of the hearing, Insurance Commissioner Ricardo Lara said losses that insurers can no longer recover "are likely to appear in underwriting decisions, reinsurance costs and premiums." Experts from Milliman and Stanford also warned that changes could affect insurance availability. A hearing the day before heard warnings from utility, labor and CPUC representatives about utility liability. No bill was voted on.

We keep a running list of California home insurance news, with a source for every item: https://cainsurancetracker.com/news

Source: Sacramento Bee, Oct. 30, 2026. Not insurance advice.

– Mark, The Witte Team | eXp Realty

Address

31572 Wildwood Road
Laguna Beach, CA
92651

Telephone

+17758156245

Website

http://TheWitteTeam.com/

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