Most California homeowners who come to us arrive with one of two stories. Either a carrier non-renewed them and they took the FAIR Plan because it was the only thing available, or they are still with the same insurer they have had for fifteen years and their premium has doubled without explanation.
Both are worth re-shopping right now, and for the same reason: the carriers that left California have started coming back, and nobody sends a letter when the market reopens to your address.
Two things we check first on any California home. One, whether the wildfire risk score attached to your parcel actually reflects your property — these models make mistakes, and a bad score can be appealed. Two, if you are on the FAIR Plan, whether you have a difference-in-conditions wrap alongside it. A surprising number of people do not, which means they have fire coverage and essentially nothing else: no liability, no theft, no water damage.
We know the difference between a Laguna canyon parcel and a flat lot in Costa Mesa, and so do the underwriters.
Send us the declarations page you have now. We read it line by line against what this market is actually doing, and tell you plainly whether anything worth changing has changed.
Send your policyThe same house priced in two states is two different problems. These are the markets we work most, and what actually decides the outcome in each one.
Send your declarations page and we will read it properly — what you have, what it would actually pay, and whether anything worth changing has changed.
Independent insurance guidance for your home, your business, and your life across state lines.