California E&S Insurance

OBIE - much cheaper than CA fair plan, any red flags? I've been having trouble finding insurance for an excellent condition triplex in urban, coastal Northern California solely because it was built in the 1890s (with new roof, plumbing, HVAC, and electricity). Someone recommended Obie for landlord insurance and they seem to be too good to be true - what am I missing? They appear to be the only insurer taking actual by-address risks into consideration in California, at least all the human agents and brokers I've spoken to in the last few weeks have said they know my property is low-risk but they can't do anything about that or they have "too many" properties in my low-risk area already. On Obie's website, I can look up the property on their map, and they have it correctly listed as no risk of flooding, wildfire, or various types of weather damage (never thought I would say this, but AI coming in handy for once, I guess). California is a HUGE state, with many different ecosystems and levels of risk, so why aren't other companies insuring in these low-risk, mild climate areas? Or is Obie a scam company, or what? Seems to just be very tech-forward (it's specifically for landlords only, and started up in 2017). Any thoughts on them?

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