Please note, in addition to contacting local agents or brokers in the vicinity of your home, you may wish to use our Residential Insurance Contact List
that provides toll free numbers for over 50 admitted insurance companies that are licensed to sell homeowners insurance. You can contact each of them to find the closest agent or broker appointed with them or get a quote from them directly. Some insurers do not use agents or brokers. Instead, they deal with consumers directly. You may also ask your agent or broker if they are able to obtain coverage with a non-admitted insurer.
If after shopping the market you are still having difficulty obtaining residential insurance, you may want to contact the California FAIR Plan
to explore coverage options. Understand that the California FAIR Plan
is available to every homeowner as a last option for coverage. The maximum limit written by the FAIR Plan on a residential property for all coverages combined
is $1,500,000. Because the coverage provided by a FAIR Plan policy does not cover all the perils insured under a traditional policy such as theft or liability, you may want to consider purchasing a Difference in Conditions
policy in addition to the FAIR Plan policy. Even after you have secured coverage with the FAIR Plan, continue shopping as there may be comprehensive insurance available for you.