I didn’t know who Fred Lyon was when I first saw this photo, I just knew it hit me. It’s one of those black-and-white masterpieces—Nob Hill, Pine Street—with a dapper Joe mid-step, hat at the right, The swagger is undeniable. The backdrop? Cars parked at an impossible angle, clinging to the hillside like they might slide off into oblivion at any moment. (If you know the stress of getting in our out, parked at than angle, you know!) .I just knew it hit me. The City’s hills, the parked cars hanging on for dear life, that guy striding down the stairs like he owns the block—it all felt so familiar, like a memory I never actually lived but somehow still knew.

So I looked the photographer up. I saw the rest of his photos. And suddenly, it all made sense.

For San Francisco homeowners, home insurance isn’t just about coverage anymore—it’s about whether you can even get a policy in the first place. With major insurers pulling out of California, canceling policies, and refusing to write new ones, many property owners are left scrambling. If you haven’t checked your policy lately, now’s the time. Because surprise—just because you had coverage last year doesn’t mean you still do.

If you’re a homeowner or a buyer in The City, insurance is no longer something you can take for granted. Between major insurers pulling out of California, canceling policies, and refusing new coverage, plus older homes with “red flag” features like knob-and-tube wiring, trying to secure a policy can feel downright intimidating.. If you haven’t checked your policy lately, you should.