I’m often asked about earthquake insurance—do most homeowners in San Francisco have it? Do the majority of condo buildings have an earthquake policy?
Only about 12-15% of California homeowners have earthquake insurance, and I believe that ratio drops further in The Bay Area and San Francisco. The reason behind this is that earthquake insurance is very expensive. In a condo building, it doubles your homeowners association dues (HOAs). Additionally, most policies come with a 10-15% deductible. This means the damage to the building would have to be pretty severe in order for you to use your coverage.… Continue Reading
It used to be that condo associations limited their pet restrictions to two pets per household. Then some buildings started throwing in weight restrictions. These days, it’s become commonplace to ban certain dog breeds.
This is particularly true in new-construction buildings, where you can expect CC&Rs to specifically state that Pit Bills, Presa Canarias, Rottweilers, Doberman Pinschers, Mastiffs or any other fighting breed cannot live in the building. There are also sometimes more restrictive weight limits for dogs (i.e., only 100 pounds combined for two dogs per unit).
With older condo developments, you’re probably good to go if you own one of the aforementioned breeds, unless there is a weight restriction or the particular HOA has amended its CC&Rs to ban the breeds. So before you write your offer on that nice 2BR condo in Pacific Heights, check to see if you’ll be able to bring your dog along.