California E&S Insurance

Sure. I'll preface this by saying our lender got very strict with their requirements so ymmv if you're not going to need a mortgage lender or your lender is less...Wells Fargo. (TBH, the actual people we worked with at Wells Fargo were wonderful, very helpful and understanding. "The underwriters" were inflexible, impossible to understand, changed requirements last minute, etc.) We ended up taking to 3 different insurance agencies, including the one that was already covering the house we bought, all of them couldn't or wouldn't satisfy the mortgage lenders requirements wrt coverage. We finally ended up getting insurance as described above. Cal Fair Plan for the disaster stuff, fire, etc. and a Difference in Conditions (DIC) for the rest. Our insurer is Safeco for the DIC but technically it's Aegis for the Cal Fair Plan bit. Cal Fair + Safeco DIC is \~$6k per year, with \~$5k of that being just the Cal Fair Plan. Additionally, just getting insurance at all has been harder to do in the last couple of months. So much so that our insurance agent told us she was having trouble getting through to Cal Fair Plan administrators due to a huge increase in people going to Cal Fair as a last resort. So my other advice would be to start looking for insurance as soon as you can since it'll probably take a lot longer than it used to. We got lucky in that the seller was ok with the closing date slipping by about a week, but others might not be as flexible.

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