Dropped by Farmers, Allstate or State Farm for wildfire risk? The California FAIR Plan only covers fire — no theft, no liability. We place real, full home coverage on fire-zone homes when other agencies say no.
Office hours Mon–Fri 10am–4pm PT — please call during hours. After hours, text (310) 299-5555 or apply online anytime and we’ll follow up.
If Farmers, Allstate or State Farm dropped you because of wildfire risk, you have options beyond the FAIR Plan — which pays for fire only and leaves out theft, liability and water damage. We compare specialty and surplus-lines markets, including Applied Underwriters (auw.com), to place real, full home coverage on fire-zone homes, and we structure FAIR Plan + wrap-around (DIC) policies where a single carrier will not write the whole risk. When standard carriers say no, we look for the market that says yes.
Real homeowners coverage — dwelling, contents, personal liability and theft — not a fire-only policy.
Specialty and surplus-lines markets, including Applied Underwriters, for homes in high-wildfire areas.
Pairs the state FAIR Plan (fire-only) with a difference-in-conditions policy that adds theft, liability and water damage the FAIR Plan leaves out.
Your belongings and personal liability — a low-cost policy that can also lower your auto rate when bundled.
For rental properties and non-owner-occupied homes.
Homeowners premiums vary widely by location, rebuild cost and wildfire risk. Fire-zone placements and FAIR Plan + DIC structures cost more than a standard policy, but they are frequently the only path to real coverage after a non-renewal. As an independent broker we compare specialty and surplus-lines carriers to keep the total as competitive as possible. Call for a free, no-obligation quote on your specific home.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
Mortgage lenders require homeowners coverage for the life of the loan, and landlords increasingly require renters insurance from tenants. If your home is in a wildfire zone, or you received a non-renewal notice from Farmers, Allstate, State Farm or another carrier, you likely need a specialty market or a FAIR Plan + DIC solution rather than a standard policy — that is exactly what we place.
Address, construction, and any non-renewal notice you received.
Including fire-zone and surplus-lines carriers such as Applied Underwriters.
Full home coverage, a FAIR Plan + DIC wrap, or renters — whatever fits your home.
Yes. Non-renewals for wildfire risk are common in California right now. We place fire-zone homes through specialty and surplus-lines markets — including Applied Underwriters — and structure a FAIR Plan + wrap-around (DIC) policy when a single carrier will not write the whole risk.
The FAIR Plan is California's insurer of last resort, and it covers fire only — no theft, no personal liability, and limited water damage. For real, full protection we either place a specialty homeowners policy or wrap a difference-in-conditions (DIC) policy around the FAIR Plan to add what it leaves out.
Often, yes. We work with specialty markets, including Applied Underwriters, that will write real, full home coverage on many fire-zone homes standard carriers decline. Coverage, eligibility and price depend on the home and the carrier, so send us the details and we'll tell you what's available.
A DIC (difference-in-conditions) policy wraps around the FAIR Plan to add coverage the FAIR Plan leaves out — such as theft, personal liability and certain water damage — so your home is protected more like a standard homeowners policy.
Yes — we write dwelling-fire and landlord policies for non-owner-occupied homes.
Enough to rebuild your home (replacement cost), not its market value. We help you set the right dwelling limit.
Yes — bundling often lowers both premiums.
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