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Rising Home Insurance Costs in California: What You Need to Know
This happens more often than people admit.
It’s like driving a car that was passed down to you — you have the keys, you pay for gas, but the registration was never updated. Everything feels fine… until you need to sell it.
Why This Happens
When parents pass away, paperwork is the last thing anyone wants to deal with.
Grief comes first.
Life keeps moving.
The house stays put.
So the title update gets delayed — sometimes for years.
The Difference Between Deed vs. Title (Simple Version)
Deed = who uses the property.
Title = who legally owns it.
It’s like being listed as the driver on insurance, but not being on the car’s registration.
No issue — until there is one.
How It Can Affect You
You usually don’t find out there’s a problem until you try to sell, refinance, or transfer the home. That’s when the title company hits pause. Not because you did anything wrong — but because the paperwork never caught up.
Does Time Fix It?
Unfortunately, no.
Waiting doesn’t make it disappear, but it also doesn’t make it impossible to fix. Even decades later, many of these situations are resolved.
What You Can Do
Start with clarity, not urgency.
A title company or probate attorney can explain what’s missing and what steps are needed.
Why This Matters
Untangling title issues early gives you options later.
Whether you keep the home, pass it on, or sell it — you’re not stuck scrambling at the last minute.
At Everbloom, we help homeowners understand their options first.
Decisions can come later — when you’re ready.