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Homeowner experiences, agent discussions, E&S/surplus lines, and FAIR Plan coverage in California wildfire zones

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redditr/InsurancepostmixedScore: 60

Homeowners insurance in CA

Homeowners insurance in CA Hi everyone, I have two quotes for homeowners insurance in California and I’m not sure which direction I should go in. So for farmers it includes fire and is around 1700. AAA is around 800 but I have to also get the CA Fair Plan for fire coverage so that brings me to a total around 2500. The AAA coverage is a little better but I’m not sure about this ca fair plan. Does anyone have any experiences with either company or ca fair plan than can point me in right direction? Thanks!

Source URL: https://www.reddit.com/r/Insurance/comments/1r5oveq/homeowners_insurance_in_ca/
Post Date: 2/15/2026, 8:19:42 PM
Scraped At: 3/15/2026, 8:44:51 AM

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{
  "score": 0,
  "title": "Homeowners insurance in CA",
  "subreddit": "Insurance",
  "num_comments": 4,
  "scrape_method": "apify_targeted"
}

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