Living in Oakmore
Parent Q&A
Archived Q&A and Reviews
June 2009
We have been doing as much research on the Oakmore area that we can, but the input from this community, in particular, is greatly appreciated and valued. A son is on the way and excited to relocate to the East Bay and purchase a house. Is anyone here, familiar with the Oakmore area of Oakland - how are the people, the community, the schools, etc? In advance, thank you for your input! Danny
We've lived in the Oakmore Highlands neighborhood for 4 years and absolutely love it. When we bought our house we had no idea about the area but quickly grew to love it. It's safe, quiet and picturesque. We walk our dogs every day and often late at night and have always felt safe. Everyone is very friendly. Over the years, we've become very good friends with several of our neighbors. There is a neighborhood association, which I'm embarrassed to say I haven't joined, that seems very active. There are children of all ages and families without children. I've never replied to any BPN posting before but felt compelled to this time because I love my neighborhood so much. I think your son would feel very lucky to live here. Oakmore Highlands Resident for Life
I had to look up ''Oakmore,'' but discovered that it is where my mother-in-law and my husband's aunt & uncle live. It's also where my husband grew up. It' a pretty neighborhood, generally safe (although my MIL's house was broken into when they were away for an extended period). There are still a lot of people my husband knows from when he was growing up (he's 42 now), so it is a stable neighborhood. I can't speak to whether it has a community of families with kids.
My husband went to Glenview elementary, and it looks as if Glenview still serves most of the neighborhood. I know a number of parents with kids currently at Glenview and they are very happy with it. It is one of Oakland's up-and-coming schools, not one of the ''there are only five good schools in Oakland'' five (I'm being facetious; I've definitely heard that said but don't agree). It is a very nice, good school that I seriously considered for my daughter.
Apparently, across the street from my MIL's house is in the Joaquin Miller Elementary zone. You can read up on that one here at BPN.
The zones on either side are Crocker Highlands and Sequoia. I also know families at Crocker who really like it. Crocker is a bit less diverse than Glenview, a bit better test scores. Sequoia has similar demographics to Glenview and performs similarly. I wouldn't hesitate to send my daughter to any of the four elementaries I mentioned.
The neighborhood has easy access to the 13 Hwy and 580. The Glenview commercial district below and Montclair village above have restaurants and services. The restaurant scene in Glenview, in particular, seems to be on the upswing. Carrie
I would recommend going to an insurance broker, who will represent you and find you the best deal. I have used McDermott Costa in San Leandro with success. Direct writers such Farmers, State Farm, Allstate do not always have your best interest at stake and can decide to stop writing policies or drop you suddenly. A good broker will have your back. It’s also one stop shopping which makes it easier. Good luck!
We don't know of a specific company (maybe Geico?) that would cover it if they do certain underwriting for the fire risk. Unfortunately, we have friends in the Berkeley Hills who had homeowner's insurance and subsequently dropped from their plans once the wildfire seasons kept becoming too high of a risk. Our friends have since all moved out of the hills too. We had to get flood insurance for our home and it was covered by FEMA, which ended up being much cheaper than any other private insurer. I don't know if they have a program like that for fires that might be cheaper than the state programs?
We had a hard time finding coverage for our Berkeley Hills home when we bought in 2019. I scoured a bunch of websites and found Geico and State Farm were the only majors willing to cover our address. I ended up working with Frank Bliss's office in Albany to get the whole kit-and-caboodle (Home, Earthquake, Car & Umbrella) including Fire insurance. My understanding is insurers manage their risk on a block-by-block basis so I think you'll either need an independent agent who can shop for you OR do what I did, and spend 1/2 a day calling around different insurers. Good luck!
Welcome to the club! We can't get fire insurance other than through the fair plan. Premiums have been doubling or tripling every year. They also keep trying to drop us using really dumb excuses (eg name on policy isn't exact match for name on mortgage due to inclusion of middle name.) It's so bad that I won't consider buying a new house unless I can get regular fire insurance. Call every insurance provider and ask them if they'll write a policy for your address. They all have different rules but none of them wanted to cover our house.
Make sure that your rebuilding budget is a lot higher than the value of your house. If there's a big fire, everything gets ridiculously expensive and you may not be able to rebuild if your budget is only your current home value. If it isn't too late, I recommend not buying the house that's hard to insure for fire.
Yeah, welcome to the new reality of life in Northern California. Our 20-year-old, no-claims-ever policy got non-renewed this year because of wildfire danger. I attended an online presentation put on by the Montclair Neighborhood Council this spring that was really helpful in explaining what the reasons and the options were - I don't see it on their website (https://www.montclairneighbors.org/) but maybe if you contacted them they have an archive of the event somewhere. Here are my quick take-aways from the presentation: A few big-name companies (State Farm, Travelers, Lloyds) are still writing policies in this area, but it's often on a case-by-case basis. "Non-admitted" carriers (not technically licensed with the state, but you can check their rating at consumers.ambest.com or through the LASLI list on the CA Dept. of Insurance website) like Atain, Bigfoot and Heritage are more lenient, but as I understand it (which is barely), since they're not backed by the state there's a possibility they might not have enough money to pay out after a big disaster, so you have to do your due diligence. You can save a bit by increasing the deductible as high as you're comfortable with. Worst case scenario, fire coverage is available (at a high price, as you discovered) through California FAIR Plan, with a supplemental DIC plan through another carrier to cover theft and other non-fire issues. We ended up going through the broker who helped put on the MNC presentation (https://www.susmaninsurance.com/) and they found us replacement coverage. It is more expensive than our old policy, but they were great to work with and I found it much less stressful to go through them than calling a bunch of different insurance companies on my own, so I'd highly recommend using a broker. Good luck - it will work out but I know it's stressful in the meantime!
Try talking to Rob Spence. He's really great and helped us when we were dealing with a similar issue:
Rob Spence
Agent/Broker Lic 0B36752
(510) 725-1973 / rspence [at] summitagents.net (rspence[at]summitagents[dot]net)