California E&S Insurance

Surplus Carrier Insurance vs. CA FAIR Plan I live in the foothills in southern california where the Eaton fire recently devasted homes. My standard insurance carrier (Farmers) just dropped me, and my insurance broker has said the only options available to me now are surplus carrier insurance companies and CA Fair plan. He strongly recommends that I go with the surplus carriers. He says they're large, reliable companies and that they're way easier to deal with than CA Fair plan in case something happens and I file a claim. Do folks have any insight on which is better for different situations (e.g., small claim, large claim (i.e., lose house), and devasting event (i.e., wildfire knocks out 1,000 homes)? I realize no one has a crystal ball, but in the rare event another devasting wildfire sweeps through and takes out 1,000 homes, which of the two (CA fair plan or surplus carriers), if not both, are likely to not pay?

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  "title": "Surplus Carrier Insurance vs. CA FAIR Plan",
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