California E&S Insurance

Home insurance in California: FAIR plan or non-admitted carrier? I’m in contract on a home in a fire-prone area in Northern California. I have two similarly-priced insurance options- (1) all-in-one policy with Motion, a non-admitted carrier, or (2) California fair plan for fire coverage + DIC with farmers or aegis. Same dwelling coverage. Which option would you all recommend?

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  "title": "Home insurance in California: FAIR plan or non-admitted carrier?",
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