Homeowners Insurance

Homeowners insurance protects your most valuable asset—your home—by providing coverage for:

• Property Damage: Protects your home and belongings from risks like fire, theft, and natural disasters.
• Liability Coverage: Offers protection if someone is injured on your property or if you cause unintentional damage to someone else's property.
• Additional Living Expenses: Covers temporary living costs if your home becomes uninhabitable due to a covered event.

California FAIR Plan

The California FAIR Plan provides basic property insurance coverage for high-risk homes that may not qualify for traditional homeowners insurance. It is designed to ensure that homeowners in wildfire-prone or other high-risk areas have access to essential coverage.

Program Overview & Restrictions

• Coverage Offered: Protects against fire, lightning, smoke, and other specified perils.
• Restrictions: Does not include liability, theft, or water damage coverage. These must be obtained through additional policies.
• Eligibility: Available to homeowners in California who are unable to secure insurance through the standard market.

Companion Policies (Difference in Conditions Policies)

To fill the gaps left by the California FAIR Plan, we offer companion policies, also known as Difference in Conditions (DIC) policies. These policies complement the FAIR Plan by providing additional protection, including:

• Liability Coverage: Protects you from financial responsibility if someone is injured on your property.
• Water Damage: Includes coverage for plumbing leaks, burst pipes, and other water-related incidents.
• Theft Protection: Covers loss or damage to your personal property due to theft.

These policies ensure comprehensive protection for your home and belongings, addressing limitations in the California FAIR Plan. Contact us to learn how to customize a complete solution for your needs!