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Homeowner experiences, agent discussions, E&S/surplus lines, and FAIR Plan coverage in California wildfire zones

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redditr/orangecountyposthomeownerScore: 100

Home insurance dropping coverage

Home insurance dropping coverage Hi all, I currently have Lemonade home insurance but received notice today they will be dropping our coverage end of year due to wildfire risk unless we sign of the the California FAIR plan. To my knowledge, the California FAIR plan is the last resort insurance for wildfire coverage and is super expensive. I’m curious if anyone else has gotten this notice from their home insurance? And if so, what do you plan to do? Also, curious if anyone living by the hills can share what insurance company they have? We live in north OC by the hills. Really bummed about this drop announcement from our home insurance. It’ll be a significant hit to our finances by the looks of how much the CA FAIR plan is costing and projected price increase. Thanks.
Source URL
https://www.reddit.com/r/orangecounty/comments/1lxtclo/home_insurance_dropping_coverage/
Post Date
7/12/2025, 6:13:38 AM
Scraped At
3/15/2026, 9:25:57 AM

Metadata

{
  "score": 0,
  "title": "Home insurance dropping coverage",
  "subreddit": "orangecounty",
  "num_comments": 9,
  "scrape_method": "apify_targeted"
}

Scrape Run

reddit — completed — 1798 posts collected