Many homeowners in California have been left with no choice but to turn to the California FAIR Plan for their insurance needs. While this coverage may provide some relief, it’s important to note that the FAIR Plan has limited coverage and may not be the best option for everyone. Fortunately, there is an excellent alternative available that offers more comprehensive coverage at a competitive price. In this blog post, we’ll introduce you to this alternative and show you why it may be a better choice for your insurance needs.

The California FAIR Plan provides basic dwelling coverage for all physical losses, including water damage, unless specifically excluded. While this may seem like comprehensive coverage, it’s important to note that the plan does not include coverage for theft, falling objects, or the weight of ice, snow, or sleet. In contrast, our alternative plan provides coverage for all of these perils, giving homeowners the peace of mind they deserve.

One of the main advantages of the alternative plan we’re promoting is its extended coverage for perils such as windstorms or hail, explosions, riots, aircraft, and vehicles. While the FAIR Plan offers coverage for these perils, they come at an additional fee. Our alternative plan includes this coverage at no additional cost, making it a more affordable option overall.

Another area where the alternative plan excels is in its coverage of vandalism or malicious mischief. While the FAIR Plan does offer coverage for this peril, it comes at an additional fee. Our alternative plan includes this coverage as part of its standard policy, providing homeowners with more comprehensive protection without the added expense.

When it comes to home content coverage, the FAIR Plan falls short in several areas. For example, the plan does not include coverage for theft, falling objects, or the weight of ice, snow, or sleet. Additionally, the plan does not offer any coverage for accidental discharge or overflow of water or steam. Our alternative plan provides coverage for all of these perils, as well as extended coverage for windstorms or hail, explosions, riots, aircraft, and vehicles.

Finally, our alternative plan provides a range of liability coverage options, including personal liability, medical payments to others, damage to property of others, and limited animal liability. In contrast, the FAIR Plan offers no coverage for personal liability or medical payments to others, and limited coverage for damage to property of others and animal liability.

If you’re currently insured with the California FAIR Plan, it’s important to understand that there are better options available. Our alternative plan offers more comprehensive coverage for a range of perils, including those that the FAIR Plan does not cover at all. With our plan, homeowners can enjoy the peace of mind that comes with knowing that they’re fully protected against a range of risks. Contact us today to learn more about how we can help you get the insurance coverage you need.