LCSB Insurance Agency specializes in hard-to-place home insurance and services for such consumers. Located in Southern California, LCSB Agency’s primary focus is to place customers living in high brush zones and who may be currently insured through California Fair Plan with comprehensive home insurance.
As stated on the California Fair Plan website “The FAIR Plan provides insurance as a last resort, and should be used only after a diligent effort to obtain coverage in the voluntary market has been made.” Fair Plan policies are designed as last resort insurance where customers are unable to obtain insurance through the voluntary market. They also have major gaps in coverage that many customers may not be aware of. Homes that are close to brush of fire zones often have no other option but to have insurance through Fair Plan as many insurance carriers require 1000 foot clearance from brush areas. Brush is considered any live or dead bushes, thickets, shrubs, trees or other vegetation. It can easily light on fire exposing homes to potential risk of fire damage.
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