Client: Homeowner in a brush area · Coverage: California FAIR Plan + DIC policy
The challenge
Standard carriers wouldn’t write a home because of its wildfire risk, so the owner needed another way to stay insured.
What we did
- Placed dwelling coverage with the California FAIR Plan
- Added a difference-in-conditions policy for theft, water damage and personal liability
- Set the policies up to be reviewed together at each renewal
The result
The homeowner kept fire coverage plus the theft, water and liability protection the FAIR Plan leaves out.
What you can learn
If you got a non-renewal, don’t go without coverage. The FAIR Plan plus DIC is a real option. Read our FAIR Plan + DIC guide.
Learn more: Homeowners insurance · More case studies
Client names and identifying details are withheld for privacy. This story is based on an actual policy placed by our agency. Coverage and pricing for you depend on your own details.
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