Morley Real Estate

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San Clemente, CA
Morley Real Estate

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Orange County Real Estate Agent
🏠 Helping buyers, sellers & investors reach their goals
📍 Orange County, CA
📱 (949) 558-0023
DRE # 02139162

11/04/2026

What happens when traditional insurance companies won't insure your California home?

That's where the surplus lines market comes in.

These non-admitted carriers can offer another option when standard coverage isn't available. But there's an important difference homeowners need to understand: surplus lines policies don't have the same California guaranty fund protection if the insurer becomes insolvent.

Before choosing a policy, look beyond the premium. Know who's insuring your home.

11/02/2026

Having the California FAIR Plan doesn't necessarily mean your home has comprehensive insurance coverage.

The FAIR Plan is designed to provide basic property protection when traditional homeowners insurance isn't available. But there are important coverage gaps homeowners need to understand.

For example, theft and personal liability aren't included in the basic policy. Certain additional protections may require separate coverage.

A Difference in Conditions (DIC), also known as a wraparound policy, can help fill some of those gaps.

If you're currently on the FAIR Plan, take another look at your coverage. You may need more protection than you realize.

10/31/2026

Buying a home in California? Don't wait until the last minute to secure homeowners insurance.

Before making an offer, get an idea of what coverage may cost and which insurance carriers may be available.

Once you're in contract, start finalizing quotes immediately. In fire-prone areas like San Clemente, wildfire activity can affect insurance availability, and some carriers may temporarily pause new policies.

The earlier you start, the more time you have to address coverage requirements and avoid unnecessary escrow delays.

Planning to buy in South Orange County? Make homeowners insurance part of your preparation from day one.

10/27/2026

Did you know Donald Bren had already played such a big impact on Orange County prior to taking over the Irvine Company?

10/23/2026

What types of housing market are we currently in? Today I explain absorption rates and how they help understand the current real estate market in our coastal Orange County Cities!

10/22/2026

The South Orange County housing market is showing different conditions across its coastal communities.

In the latest market update, we review the September inventory and demand data for San Clemente, Laguna Niguel, Dana Point, and San Juan Capistrano, along with practical considerations for buyers and sellers heading into the fourth quarter.

The takeaway: broad county-wide trends are useful, but local inventory, pricing, property condition, and buyer demand still matter.

Watch the full update:

Understanding the South Orange County real estate market requires l...

10/07/2026

When do you think the hotel planned for the San Clemente Outlets will break ground?

10/06/2026

I’ve had many reach out about this topic over the last month so here’s a little information on what these changes would mean for condominiums in California

09/30/2026

Do you think it’s better or worse that Dana Point got these areas included as part of their city?

09/27/2026

Sharing a story about the behind the scenes of real estate while you watch a behind the scenes of prepping a listing in San Clemente

Address

635 Camino De Los Mares
San Clemente, CA
92673

Telephone

+18053585934

Website

http://www.sellwiththerightguy.com/

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