The Issue
Homeowners' insurance costs in California are climbing. In San Diego, many buyers are seeing double-digit renewal increases. For first-time buyers, these added costs can derail closings or, at a minimum, strain budgets. The impact is particularly acute for local education employees, whose salaries often lag the region’s cost of living.
FAQ at the bottom of this page.
A grant application link will
be available on November 1st
The Solution
The Education Employee Insurance Grant provides up to $2,500 per eligible first-time homebuyer employed as an education employee in San Diego County. Funds offset homeowners' insurance during the first two years of ownership, reducing a key barrier to closing and early retention.
Why This Matters to REALTORS®
- A reason to initiate new conversations within the education community
- Addresses a real affordability hurdle that stalls transactions
- Highlights the insurance crisis in California
- An opportunity to build long-term loyalty by supporting clients beyond closing
- Demonstrates REALTOR® leadership in mitigating a pain point for local homebuyers
How REALTORS® and Education Employees Participate
- Who applies: California REALTOR® submits on the buyer’s behalf. Only transactions with a California REALTOR® are eligible.
- Who Benefits: Education Employees include K–12 public school teachers, school administrators, classified employees, and staff of public charter, district, or county schools.
- When: Applications accepted for homes that closed on or after November 1st on November 1, 2025 – October 31, 2026, or until funds are fully dispersed
- What’s needed: Closing statement, proof of education-employee employment, insurance declarations, and a first-time homebuyer affidavit.
- Process: Submit the complete package to grants@psar.org. PSAR reviews within 10 business days and notifies the REALTOR® & Buyer of the decision. Checks will be mailed to the buyer's address as listed on the application.
- REALTORS® are limited to two approved grants.
Helping education employees into homeownership strengthens ties with schools, families, and neighborhoods. This grant gives REALTORS® a clear, service-driven way to remove a rising cost barrier and deepen community connections.
A portion of this program is funded by the C.A.R. Housing Affordability Fund. To learn more about this fund, or to donate, follow this link. 100% of your donation goes directly into solving the housing crisis in California. REALTORS are also encouraged to contribute during dues billing.
More Information
REALTORS® For questions, visit www.psar.org/grants or email grants@psar.org.
Media inquiries: ceo@psar.org (copy support@psar.org)
Buyers, please ask your REALTOR®