California E&S Insurance

No, the quotes should be the same. The wraparound price may be different though (non-fire). However be aware that the CA FAIR Plan Association just requested major rate hikes for the Sierra. For most of the zip codes around the lake, the estimate is 35-50% increases for 2026. So if you're quoted $5k/year for FAIR, budget for at least $7500 for next year.

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