California E&S Insurance

Not the best from the agent perspective or the insured. It is the state run insurer of last resort. Frankly, I find it unlikely that we will be seeing regular admitted insurers offering fire coverage for MFHs in Cali anytime soon. With that in mind, they should pay their claims, although they are grossly financially underserved, the state is likely to step in if there is a catastrophic loss that the reserves cannot handle. Outside of a total loss, most of every other normal claim (wind, water, etc) are going through the DIC policy which would be standard and handle claims pretty well. It is not overpriced, arguably, it is underpriced. The only alternatives are really excess non licensed insurers that charge the real rate (much higher than CFP). The coverages are really just for fire. If you get the DIC, you should be insured fine enough.

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