California E&S Insurance

My agency is in Los Angeles and many clients in high fire hazard zones. There are some companies that will write higher valued homes ($3 Million and over) but the premium is really high, like over $10k/year. Sometimes they won't touch it either though, and that's when you have no choice but to go to California Fair Plan + DIC policy. This can still get pretty expensive depending on the value of the home. The biggest issue with CFP is that they don't write any values larger than $3 Million, and a lot of the homes that are located in high brush & hillsides are higher valued.

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