California E&S Insurance

Home Insurance without CA Fair Act Bundle I'm currently in escrow and shopping for homeowners insurance in Northern California. My broker sent me a quote from Bamboo that would cover fire without requiring a separate CA FAIR Plan policy, but I've also heard a lot of negative feedback about their claims process. Because of that, I'm not comfortable moving forward with Bamboo and I'm looking at other options. Two questions for anyone who's gone through this recently in NorCal 1. Have you found an insurance company in NorCal that includes fire coverage without needing to bundle with the CA FAIR Plan? 2. If you do have a bundled policy with the CA FAIR Plan, what's been your experience so far, especially with billing, coverage gaps, and claims? 3. Any other advice? P.S. I got an AAA qoute bundled with the CA Fair Act that was better than Bamboo premium coverage. The deductible was the same, greater dwelling coverage, and overall better coverage in everything except medical payout($1000 vs $5000). Plus the qoute is $1600 annually and Bamboo premium is quoting me $1900

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  "title": "Home Insurance without CA Fair Act Bundle",
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