Blog / Fire
Fire insurance articles
Fire··1 min read
Got a non-renewal notice? Here's the layered-coverage strategy that works in California
A non-renewal doesn't mean you're out of options — it means you need the right strategy. Layered coverage (CA FAIR Plan + DIC) and access to non-admitted markets is usually the path forward.
Fire··1 min read
Pushed onto the California FAIR Plan? Here's what it covers — and the gaps a DIC fills
The CA FAIR Plan only covers basic perils — fire, smoke, lightning, explosion. It does NOT include liability, water damage, theft, or full loss of use. That's why most policies need a DIC wrap.
Fire··1 min read
Why did my insurance company drop me?
Across California, even well-maintained homes are being non-renewed — driven by wildfire risk, reinsurance costs, and carriers reducing exposure. Here's what's happening and what your options are.
Fire··1 min read
If you've been told you need the California FAIR Plan, you're not alone
The FAIR Plan is the insurer of last resort — named-peril coverage for fire, smoke, lightning, explosion, and wind. It's not a bad option. It's a limited one. How it's structured matters.