California E&S Insurance

California FAIR Plan Spent the past month and half researching the plan, figured I'd break down everything we learned since most people (including me) had no clue this thing even existed. Can confirm that you have to show documented proof you've been rejected by private insurers, and have to actually live in or use the property (can't be vacant). I'm now collecting rejection letters from different companies. Basic FAIR plan covers just fire, lightning, smoke and internal explosions.. that's it up to $3M. There's a list of endorsements you can add, won't list them here but can be easily found on Google. Please note that plan will not cover personal liability, no additional living expense (no hotels and rentals if you can't live in your home).. no water, no theft, no tree falling on your house and no flood or earthquake coverage. It only covers fire, as the plan was created to do after the LA fires last couple of years. I'd highly recommend getting a second policy called DIC (Difference in Conditions) to fill all the gaps. But this means you'll end up with two policies, two premiums, two claims processes. It's messy but necessary if you want protection. You can't apply directly. You need to go through a licensed California broker who works with FAIR Plan. The process: Find a broker who handles FAIR Plan (not all do) Calculate replacement cost of your home (this is NOT market value - it's rebuild cost) Submit application with property details, photos from all four sides Get home inspection (required for most properties) Get quote and decide on endorsements/DIC coverage FAIR Plan will most likely be more expensive than regular homeowners insurance, but it gives a piece of mind to the home owners who cannot find coverage from private insurers. Overall, rates are also going up, California approved an average 35.8% rate increase starting in 2026. About half of current customers will see increases between 40-55%. So hopefully more insurance companies will come in to the market. Note that there are existing companies like Kin that never left, but do expect to have a bump in your bill for 2026 and onwards. Pretty damning quote from news coverage I remember, someone said "We’d lived here for 30 years with no claims, moved three minutes away, and suddenly we were denied. It shows anyone in California can lose their coverage overnight.", FAIR plan is a fix to this problem, and it's a much needed one. The whole situation sucks. California's insurance market is broken right now. But I do believe things are changing for the better.

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  "score": 0,
  "title": "California FAIR Plan",
  "subreddit": "HomeInsurance",
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