The Mostly Real Estate Podcast, with Declan Spring
Conversations with East Bay real estate agents, creatives, and community voices shaping today’s local market.
The Mostly Real Estate Podcast with Declan Spring spotlights the people shaping East Bay real estate — top producers, rising stars, and agents known for creative marketing or unique insight. Each conversation explores the craft, challenges, and character of this dynamic market.
Produced by Declan Spring and Denitsa Shopova, founders of The Home Factor, a Berkeley-based real-estate and creative-media team, the show celebrates collaboration, storytelling, and community across the East Bay.
CA DRE#01398898
The Mostly Real Estate Podcast, with Declan Spring
#33 - Ruth Stroup, A Conversation About The Changing Landscape of Property Insurance
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This podcast episode is cross branded with a weekly podcast I host and produce on behalf of Bridge Association REALTORS®: The Bridge Association of REALTORS® Podcast
Ruth Stroup is a 17 year insurance agent with Farmers®, and founder of the Ruth Stroup Insurance Agency in Oakland.
In our conversation Ruth educates me on many aspects of property insurance and the changes she has seen in her 17 year career. Topics include a brief history of property insurance since the 1980’s and the unintended consequences of 1988’s Prop 103; State Farms May 27th announcement that it has discontinued writing new policies on California property; The reinsurance market; Population growth and property development; Insurance company formulas - loss ratio, combined ratio; Firelines and the 3 factors that comprise fireline scores; Types of insurance carriers in California; FAIR plan; Insurance coverage and purchase contract contingencies; Property insurance inspections after the policy has been written.
Ruth Stroup Insurance Agency, 3560 Grand Ave, Oakland, CA 94610 License #0M13985
Declan Spring is a licensed CA REALTOR® DRE#01398898