I was non-renewed
Don't wait for the expiration date. We'll review your notice and start looking right away.
Home insurance in California
California home insurance, start to finish.
Whether you've been non-renewed, you're on the FAIR Plan, you're buying, or you're rebuilding, a licensed broker will help you understand your options and get covered.
What brought you here?
I'm buying a home
Find out early whether the home can be insured, and get proof of insurance to your lender before closing.
I'm on the FAIR Plan
See what your policy leaves out, and whether a DIC policy or a better option fits.
I'm rebuilding
Coverage while you build, then a homeowners policy when you move back in.
What we do for homeowners
One licensed broker handles your home from the first call through every renewal.
- Review your current policy and any notice you've received
- Take your home to standard insurers, surplus lines insurers, and the FAIR Plan as needed
- Explain each option side by side, including what it leaves out
- Place coverage and send proof to your lender or escrow
- Help with policy changes, claims questions, and renewals
DIC policy
Liability, theft, water damage, and more
Varies by policy
FAIR Plan
Fire, lightning, smoke, internal explosion
Basic dwelling policy, with optional additions
FAIR Plan plus DIC, in plain English
The California FAIR Plan is the state's insurer of last resort. Its basic dwelling policy covers fire, lightning, smoke, and internal explosion. It doesn't include liability, theft, or water damage.
A difference in conditions (DIC) policy is a second policy, from a different insurer, built to sit on top of the FAIR Plan and fill many of those gaps. Coverage varies, so we compare DIC policies for you and show you what the combination covers.
More about the FAIR PlanStandard, surplus lines, or FAIR Plan?
Most California homes are covered one of three ways. We look at all three and tell you plainly how they differ.
Standard (admitted) insurers
Licensed by California, with rates reviewed by the state. If an admitted insurer fails, the California Insurance Guarantee Association backs covered claims, within limits set by law.
Surplus lines insurers
Can cover homes standard insurers won't. They are not licensed by California and not backed by the guarantee association. You'll get a required state notice before you buy.
California FAIR Plan
The state's insurer of last resort for basic fire coverage, often paired with a DIC policy. Brokers can't charge a fee for placing it, and we don't.
Where we work
We help homeowners across California, and we know wildfire country well, especially Los Angeles neighborhoods like Pacific Palisades, Malibu, Altadena, Brentwood, and Bel Air, and the Peninsula hill towns of Woodside, Portola Valley, and Los Altos Hills.
Make your home easier to insure
Insurers look at roofs, vents, windows, and the space around a home. We'll walk you through the steps that can matter, in order, and how to document them.
See the steps
Common questions
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.
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 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 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 charge fees on FAIR Plan policies?
No. California doesn't allow brokers to charge fees for placing FAIR Plan coverage.
Do you work only in wildfire areas?
No. We help homeowners across California, and we know wildfire country especially well.
Can you send proof of insurance to my lender and escrow?
Yes. Tell us who they are, and we'll send it directly.
Have a date coming up?
Tell us what's happening and when. Your broker will reply within one hour on business days.