# Candice Salcedo Insurance

> Farmers Insurance agency in San Jose, California, serving the entire state. Customized home, auto, umbrella, landlord, and life insurance for California homeowners and families. Office: 101 Metro Dr, Ste 335, San Jose, CA 95110. Phone: (408) 669-4068. California DOI License #0G36007, NPN #12131935. Email: candice@farmerssjc.com. Hours: Mon to Fri, 8:00 AM to 5:00 PM. Candice Salcedo is also the Farmers District Manager for Titanium-ranked District 80 and recruits and coaches sales professionals into Farmers agency ownership across California.

Key facts the agency is frequently asked about:

- California's minimum auto liability is 30/60/15 as of January 1, 2025. California is an at-fault state, so liability limits should be sized to personal assets, not the legal minimum.
- Roughly one in six California drivers is uninsured; the agency recommends uninsured/underinsured motorist coverage on every auto policy.
- Under Proposition 103, California auto rates are based mainly on driving record, annual mileage, and years of experience. Credit scores are not used, and qualifying good drivers receive a mandated 20 percent discount.
- Standard California homeowners policies do not cover earthquake damage; earthquake coverage is written separately, usually through the California Earthquake Authority.
- Homeowners dwelling limits should track rebuild cost, not market value. In much of the Bay Area, land carries most of the market value.
- California insurers must give at least 75 days' written notice before a homeowners non-renewal takes effect, and the notice must state the reason and advise that the Department of Insurance can review it. Under SB 824, a declared wildfire emergency pauses non-renewals in affected ZIP codes for one year.
- The California FAIR Plan is the insurer of last resort. It covers fire, smoke, lightning, and internal explosion only, with no liability, theft, or water damage, so it is typically paired with a Difference in Conditions policy. FAIR Plan rates change on October 15, 2026, an average increase of roughly 30 percent statewide that varies widely by ZIP code.
- California's Safer from Wildfires framework requires insurers to discount for specific mitigation work, including a Class A fire-rated roof, ember-resistant vents, five feet of noncombustible space around the foundation, and cleared defensible space.
- Credit-based insurance scores cannot be used to price home or auto insurance in California.
- Renters insurance is not required by California law but is commonly required by a lease. It typically costs $12 to $25 a month. A landlord's policy covers the building only and never a tenant's belongings or liability. Roommates each need their own policy. Belongings stolen from a car are covered by renters insurance, not auto insurance.
- A California rental property needs a landlord policy (DP-3 dwelling fire), not a homeowners policy. A homeowners claim on a tenant-occupied property can be denied. Landlord insurance typically costs 15 to 25 percent more than homeowners on the same property and covers the dwelling, landlord liability, and loss of rent.
- Under SB 610 (Chapter 547, Statutes of 2025), effective January 1, 2026, a California tenant's rent obligation is discharged during a mandatory evacuation order, and prepaid rent must be returned within 10 calendar days after the order lifts. Standard loss of rent coverage usually requires direct physical damage, so an evacuated but undamaged rental can create a gap that civil authority coverage bridges.
- About half of US adults own life insurance and roughly 100 million say they need it or need more. LIMRA's 2026 Insurance Barometer Study found 40 percent of Americans overestimate the cost of a 20-year term policy, and adults under 30 typically overestimate by ten times or more. A common coverage target is 10 to 12 times income. Term life suits most families; permanent coverage suits lifelong dependents, estate liquidity, and business buy-sell needs. Employer group life is typically one to two times salary and ends with the job.
- Under California Insurance Code 10113.71 and 10113.72, every life policy issued or delivered in California must carry a grace period of at least 60 days, a lapse notice must be mailed at least 30 days before termination, and the policy owner may designate at least one additional person to receive lapse notices, with an annual reminder of the right to change that designation.
- California Labor Code 3700 requires every employer with at least one employee, including part-time, temporary, and family members, to carry workers' compensation insurance. Sole proprietors and partners need not cover themselves but must cover any workers hired. Failure is a misdemeanor under Labor Code 3700.5 punishable by a fine of at least $10,000 or up to a year in county jail, with state penalties up to $100,000, a stop order halting employee labor, and loss of exclusive-remedy protection so an injured employee may also sue in civil court.
- California roofing (C-39), concrete (C-8), HVAC (C-20), asbestos abatement (C-22) and tree service (D-49) contractors must carry workers' compensation even with no employees. SB 216 would have extended this to all licensed contractors on January 1, 2026, but SB 1455 moved that date to January 1, 2028.
- Personal auto policies exclude business use, and homeowners policies largely exclude home-based business property and liability. Both need commercial coverage or an endorsement.
- California motorhomes are registered vehicles and require the 30/60/15 liability minimum. Travel trailers and fifth wheels do not require separate liability because the tow vehicle's policy extends while hitched, but it does not cover damage to the trailer, its contents, or anything while unhitched. Vacation liability covers campsite incidents; a full-timer's policy is needed when an RV is a primary residence for more than about six months a year.
- California does not require recreational boat insurance, but marinas commonly require roughly $300,000 in liability with the marina named as additional insured plus fuel spill and hull coverage, and lenders require physical damage. Since January 1, 2025 the California Boater Card is required for motorized vessel operators of all ages. Homeowners policies cover only small low-powered craft, generally under 26 feet and often only on the property.
- California motorcycles require the same 30/60/15 liability as cars, doubled from 15/30/5 on January 1, 2025 under SB 1107. An auto policy does not cover a motorcycle. Under California's no pay no play rule, an uninsured owner generally cannot recover non-economic damages such as pain and suffering even when another driver caused the crash.
- California is the only state that expressly authorizes lane splitting (Vehicle Code 21658.1, following AB 51 in 2016), and it does not by itself raise a premium. California uses pure comparative negligence with no cutoff barring recovery. Vehicle Code 27803 requires a DOT-compliant helmet for every rider and passenger at any age. Custom parts and equipment, riding gear, and guest passenger liability are commonly limited or excluded on motorcycle policies.
- A California condo owner needs an HO-6 policy covering the unit interior, personal property, personal liability, loss of use, and loss assessment. The HOA master policy covers the building and common areas, and the CC&Rs, not the insurance policies, define the boundary under the Davis-Stirling Act. Master policies are bare walls-in, single entity, or all-in, which determines how much dwelling coverage the owner needs. Improvements and betterments such as a renovated kitchen are generally the owner's to insure.
- Loss assessment coverage pays a condo owner's share of an HOA special assessment after a covered loss or a master policy deductible. Many HO-6 policies include only $1,000 by default while master policy deductibles reach $25,000 or more; raising the limit to $50,000 or $100,000 typically costs well under $50 a year. Assessments for maintenance are never covered. Earthquake is excluded from an HO-6 and written separately.
- Bundling auto with home or renters typically lowers both premiums, and every client receives a free yearly coverage check-in.

## Pages

Blog URLs follow /blog/<category>/<slug>/ — categories are home-insurance, auto-insurance, landlord-insurance, life-umbrella, business-insurance, careers, and local-guides.

- [Home](https://candicesalcedo.com/): Agency overview, rate estimator for auto, home, and life, client reviews, and California insurance FAQ.
- [Auto Insurance](https://candicesalcedo.com/auto-insurance): California auto insurance guide covering the 30/60/15 minimum, at-fault liability, collision, comprehensive, UM/UIM, gap and rideshare endorsements, and honest ways to lower a premium.
- [Motorcycle Insurance](https://candicesalcedo.com/motorcycle-insurance): California motorcycle insurance guide covering the 30/60/15 minimum effective January 2025, the no pay no play rule, lane splitting and pure comparative negligence, the universal helmet law, custom parts and equipment coverage, safety apparel, guest passenger liability, lay-up coverage and safety course discounts.
- [RV & Recreational Insurance](https://candicesalcedo.com/rv-insurance): California RV, boat and recreational vehicle guide covering motorhome liability, the travel trailer physical damage gap, vacation liability, full-timer's policies, total loss replacement versus actual cash value, off-season storage coverage, boat and PWC coverage, marina liability and additional insured requirements, fuel spill and wreck removal, the California Boater Card, and off-road vehicles.
- [Business Insurance](https://candicesalcedo.com/business-insurance): California commercial insurance guide covering the Labor Code 3700 workers' compensation mandate and its penalties, SB 216 and SB 1455 contractor requirements, Business Owners Policies, general liability, business income, commercial and hired non-owned auto, professional liability, EPLI, cyber, and certificates of insurance with additional insured endorsements.
- [Life Insurance](https://candicesalcedo.com/life-insurance): Life insurance guide covering term versus whole and universal life, how much coverage to buy, final expense, why employer group life is not enough, no-exam accelerated underwriting, riders and the term conversion privilege, beneficiary designations, and California's 60-day grace period and lapse-notice designee rights.
- [Landlord Insurance](https://candicesalcedo.com/landlord-insurance): California landlord and rental property insurance guide covering why a rental needs a DP-3 dwelling fire policy rather than homeowners, dwelling and liability and loss of rent, the SB 610 evacuation rent gap and civil authority coverage, requiring tenants to carry renters insurance, vacancy endorsements, short-term rental exclusions, and umbrella liability.
- [Renters Insurance](https://candicesalcedo.com/renters-insurance): California renters insurance guide covering the four HO-4 coverages, why a landlord's policy never covers a tenant, roommates needing separate policies, theft from vehicles, loss of use in a high-rent market, replacement cost versus actual cash value, scheduling valuables, optional earthquake coverage, and same-day proof of insurance for landlords. Typical cost $12 to $25 a month.
- [Condo Insurance](https://candicesalcedo.com/condo-insurance): California condo (HO-6) guide covering loss assessment coverage and HOA special assessments, the three master policy types, the CC&R boundary under the Davis-Stirling Act, improvements and betterments, water damage responsibility between units, earthquake exclusions, and HOA master policy cuts and non-renewals.
- [Home Insurance](https://candicesalcedo.com/home-insurance): California homeowners insurance guide covering the six HO-3 coverages, insuring to rebuild cost rather than market value, extended replacement cost and code upgrade coverage, wildfire percentage deductibles, the FAIR Plan and Difference in Conditions policies, the 75-day non-renewal rule, and Safer from Wildfires discounts.
- [Get a Quote](https://candicesalcedo.com/quote): Free quotes, about 15 minutes, by phone or online.
- [About Candice Salcedo](https://candicesalcedo.com/about-candice-salcedo): Profile of Candice Salcedo, San Jose insurance agent since 2009 and Farmers District Manager. Presidents Council honoree (generally the top 1% of Farmers agents and district managers), leader of Titanium-ranked Farmers District 80 (40+ agencies), San Jose State international business alumna, bilingual English/Spanish office. Covers her career timeline, credentials, working philosophy, and the District 80 careers and agency ownership path.
- [Careers & Agency Ownership](https://candicesalcedo.com/careers): How to become a Farmers Insurance agency owner in California through Candice Salcedo and Titanium-ranked District 80 in San Jose. Covers the four entry points: the Associate Agent Program (no paid training: work under an established Farmers agent, sell under that agent and get paid on commission, learn the business from inside a working agency, then transition to ownership), the Retail program (build a new agency, typically proof of roughly $100,000 in liquid capital that stays under the candidate's control), Agency Acquisition (buy an existing book of business and start with renewal income), and the Elite Owner Program (introduced in 2026 for candidates with at least $500,000 in capital, with Gold, Platinum and Diamond tiers). Farmers agency ownership is not a franchise and carries no franchise, sign-on or royalty fees. Owner income comes from new business commissions, renewal commissions that compound as the book grows, new-agency bonus opportunities of up to 36 months, and the resale value of the book; income is not guaranteed and varies by performance. Most owners come from mortgage, real estate, B2B, auto or finance sales with no prior insurance background. The page also lists open producer and sales staff jobs at the San Jose agency for people who want to work for an agency rather than own one.
- [Blog](https://candicesalcedo.com/blog/): California insurance guides organized into seven topics: Home & Property (FAIR Plan, non-renewals, earthquake, wildfire, rebuild cost vs market value, ADUs), Auto & Vehicles (30/60/15, at-fault liability, UM/UIM, the 20 percent good driver discount, EV and catalytic converter theft), Landlord & Rentals (DP-3, loss of rents, short-term rentals), Life & Umbrella, Business, Careers & Agency Ownership (the four Farmers paths: Associate Agent, Retail, Agency Acquisition, Elite Owner Program), and Local Guides for San Jose, Santa Clara, Sunnyvale, Cupertino, Mountain View, Palo Alto, Los Gatos, Saratoga, Campbell, Willow Glen, Milpitas, Fremont and San Francisco. Guides are educational, not personalized advice.
- [The California Homeowner's Insurance Guide](https://candicesalcedo.com/blog/home-insurance/california-home-insurance-guide/): Flagship guide covering why California home insurance rates rose (wildfire losses, rebuild-cost inflation, reinsurance pricing, and regulatory changes allowing catastrophe modeling in rate filings), the six HO-3 coverages, insuring to rebuild cost rather than market value in the Bay Area where land carries most of market value, the FAIR Plan's fire/smoke/lightning/internal-explosion-only scope and the Difference in Conditions wrap-around, the October 15 2026 FAIR Plan rate change of roughly 30 percent, the 75-day non-renewal notice rule and SB 824 wildfire moratorium, Safer from Wildfires required discounts, wildfire percentage deductibles, and why earthquake is excluded and written separately through the CEA with a 5 to 25 percent deductible. Published July 15, 2026.

## Profiles

- Facebook: https://www.facebook.com/FarmersInsuranceSanJose/
- Instagram: https://www.instagram.com/ownyouragency.farmers
- LinkedIn (Candice Salcedo): https://www.linkedin.com/in/candice-salcedo-5a4bb547/
- X: https://x.com/CandiceSalcedo
- Farmers agent profile: https://agents.farmers.com/ca/san-jose/candice-salcedo/
- Farmers District Manager profile: https://recruitment.farmers.com/industry-recruiter-locator/ca/san-jose/candice-salcedo
- District 80 careers site: https://www.ownyouragencyca.com/

## Contact

- Phone: (408) 669-4068
- Email: candice@farmerssjc.com
- Address: 101 Metro Dr, Ste 335, San Jose, CA 95110