Yes, I’ve been searching on Reddit and no one really has anything good to say about Bamboo. I’m still going to look into other quotes, but so far the consensus seems to be that getting two policies is basically unavoidable in my area. Thanks to Speedy719 for clarifying that piece. It is a DIC. I was told it would be two policies, one for fire through the CA Fair Plan and another separate policy to cover what’s left. Thanks for the suggestion to check in with the seller about their insurance company. I’ll be following up on everyone’s feedback and staying away from Bamboo. Thank you everyone!