Can't find coverage for your California home?
We're a local insurance broker who can help you find homeowners insurance solutions when traditional insurance companies can't help.
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Insurance Options
How We Can Help
There are very few standard options for homeowners insurance in California, and our goal is to canvas the market to find you the best coverage available. We're registered with the FAIR plan to obtain a FAIR plan quote for you, and we can also help you find a Difference in Conditions (DIC) policy if needed.
Free Insurance Review
We'll provide you with a free review of your situation, with no obligation to purchase anything.
Market Research
We'll make sure we have checked the traditional insurance market for options.
FAIR Plan & DIC Policy
If no standard options exist, we can help you obtain a quote from the FAIR plan and find a Difference in Conditions (DIC) policy.
FAIR Plan
- The FAIR Plan offers a temporary solution customers in high-risk or wildfire-prone areas when traditioanl insurers aren't willing to provide insurance coverage.
- Coverage is only provided for fire & lightning, smoke, and internal exlplosions.
- The FAIR Plan is not a state agency but rather is a pool of insurers licensed to conduct business in California.
DIC Policy
- DIC policies are designed to fill gaps left by FAIR Plan policies.
- Often covers flood, earthquake, or other excluded perils.
- Unlike the FAIR plan, DIC insurers are not a pool created by law, but rather individual insurers who have designed their coverage to specifically work well with FAIR plan policies.