Questions, answered plainly.
Don't see yours? Ask us. A licensed broker will answer.
Homeowners
Do you charge fees on FAIR Plan policies?
No. California doesn't allow brokers to charge fees for placing FAIR Plan coverage.
Are you an insurance company?
No. We're a licensed insurance broker. We work for you, take your home or property to insurers, and explain your options. Insurers issue the policies and pay claims.
I was non-renewed. What should I do first?
Send us the notice and your current declarations page right away. The earlier we start, the more options you're likely to have.
How much notice does my insurer have to give before non-renewing my home?
In California, generally at least 75 days before the policy ends, and a late notice can keep your current policy in force longer. Send us the notice and we'll check.
Can you send proof of insurance to my lender and escrow?
Yes. Tell us who they are, and we'll send it directly.
Can you help if my home is still being rebuilt?
Yes. We can help with coverage during construction and a homeowners policy when it's finished.
What is a DIC policy?
A difference in conditions policy sits on top of a California FAIR Plan policy and covers things the FAIR Plan doesn't, such as liability and theft. Coverage varies by policy.
What is the California FAIR Plan?
It's California's insurer of last resort for property owners who can't find coverage in the regular market. Its basic policy covers fire, lightning, smoke, and internal explosion, so most homeowners pair it with a DIC policy for things like liability, theft, and water damage.
What is surplus lines insurance?
Coverage from insurers that aren't licensed by California but are allowed to cover homes that licensed insurers decline. These policies aren't backed by the California Insurance Guarantee Association, and you'll get a required state notice before you buy. We'll explain the tradeoffs before you decide.
Do you work only in wildfire areas?
No. We help homeowners across California, and we know wildfire country especially well.
Commercial property
Do you work with surplus lines insurers?
Yes, when the standard market can't place a property. We'll explain what that means for your coverage before you decide.
Can you deliver documents directly to our lender?
Yes. We send the binder, evidence of insurance, certificates, and endorsements to your lender and escrow.
How early should we start before a closing?
As soon as you're under contract. Insurers need property details and loss history to quote, and some properties take longer to place.
How are you paid?
Insurers pay us a commission when we place your policy.
Do you work with properties outside California?
Not yet. We're licensed in California today.
What size properties do you work with?
From single buildings to multi-property portfolios, across apartments, industrial, retail, office, mixed-use, and specialty property.
Do we have to move every policy to you?
No. That's your choice. Many clients start with one property or one renewal.
What do you need from us?
Your current policies if you have them, a statement of values, five years of loss runs, and your lender's insurance requirements. Missing something? Start anyway.
Partners
Does my client have to use you?
No. Your clients are always free to choose their own broker.
How soon do you contact referred clients?
We reach out by one business day.
Will you keep me updated?
Yes, with your client's permission.
Have a date coming up?
Tell us what's happening and when. Your broker will reply within one hour on business days.