Current Options For Homeowners Insurance In California
Why homeowners insurance California feels different right now
Availability and pricing have shifted across the state, especially in areas with wildfire or brush exposure. That does not mean coverage is out of reach. It means choosing the right path among standard carriers, the California FAIR Plan, and a companion Difference in Conditions policy. Philip B. Robinson Insurance helps you compare these options and set realistic expectations for timeline, documents, and home hardening steps.
How standard carriers approach eligibility
Many households still qualify with traditional insurers, especially in lower risk zones or after mitigation. Carriers look at roof age, distance to brush, firewise features, electrical and plumbing updates, and prior losses. When a standard market fits, you get a single policy with dwelling, personal property, personal liability, and additional living expense. We size limits to true rebuild cost, match deductibles to your comfort, and check endorsements like extended replacement cost and water backup.
What the California FAIR Plan covers
The FAIR Plan is a state-backed option that provides fire-only coverage when a standard policy is not available. It covers perils like fire and smoke, but it does not include liability, theft, water damage not caused by fire, or many other common losses. FAIR Plan is a crucial bridge for homes near canyons, hillsides, or other high wildfire exposure areas. It can be a temporary or long-term solution depending on future market changes and mitigation work.
How a Difference in Conditions policy completes coverage
A DIC policy sits alongside the FAIR Plan to add the pieces a standard homeowners policy would normally include. That can mean liability, wind and water not caused by flood, theft, and additional living expense beyond what the FAIR Plan provides. Together, FAIR plus DIC can approximate comprehensive protection. We explain how limits and deductibles interact so you know your total protection before you bind.
Which option is right for your home
- If your home qualifies for a standard carrier, one policy is usually the most convenient path.
- If your home sits near brush or has recent nonrenewals, a FAIR Plan plus DIC combination may be the most practical way to stay insured.
- If you are renovating or updating roof, electrical, or defensible space, we can revisit standard markets after improvements.
What to prepare before quoting
Gather your current declarations page, photos of the roof and exterior, details on upgrades, and any mitigation steps like ember-resistant vents or cleared vegetation. Note special features such as a pool, ADU, or solar. Share any trust or LLC ownership so policies are titled correctly.
Steps to request a quote
- Email or call Philip B. Robinson Insurance with your address and a copy of your current policy.
- Share recent updates and any nonrenewal notices so we can route your home to the right markets.
- Review a side by side comparison of standard carriers versus FAIR plus DIC.
- Choose limits and deductibles, then we handle applications, inspections, and timelines.
Ready to compare your options
Our team places homeowners insurance California residents can count on, from coastal neighborhoods to canyon communities. We will lay out the pros and cons of each path and help you move forward with clarity.