State insurance plans are the last resort, not the destination. They cost more and cover less. If you landed on one during the hard market, the private market may have reopened to you since — and nobody will tell you unless someone checks.
Past 668,000 policies and filed for a large rate increase — while Mercury, CSAA, Farmers and Travelers have all committed to writing again.
Down from 1.4 million policies in 2023 to roughly 278,000 today as nearly twenty carriers returned. Rate decreases have followed.
Coastal windstorm and last-resort property coverage in a state where premiums have reached record levels.
Your current declarations page tells us the coverage, the deductible structure, and whether you have the wrap policies a state plan requires. This is where most gaps show up.
Carrier appetite moves constantly. We test your specific property against the carriers writing in your area today, not the ones that declined you two years ago.
Sometimes the state plan is still the right answer. If it is, we will say so. A review that ends in no change is still worth having.
Six questions about your plan, your roof and your claims history, and an honest read on whether the private market has likely reopened to a property like yours. It runs in your browser and nothing you enter is sent anywhere.
Open the Exit CheckerSend us your current declarations page and we will tell you what your options look like today. Fifteen minutes, no obligation.
Independent insurance guidance for your home, your business, and your life across state lines.