High Risk Homeowners

“WE SERVICE CLIENTS THROUGHOUT CALIFORNIA. WE DEAL WITH EVERYTHING FROM HIGH VALUE ESTATES TO RURAL HOMES. NO SINGLE-FAMILY HOME IS TOO CHALLENGING FOR US.”

 

 

Our primary focus is to connect & educate clients living in high risk fire zones with carriers offering normal homeowners policy, usually at a generally lower rate with better coverage.

While most insurance brokers fail to or do not have access to appropriate carriers to insure clients without being stuck with the California Fair Plan, we are the ones that can!

INSURANCE POLICIES AVAILABLE FOR SINGLE – FAMILY HOMES

Forced on to the CA Fair Plan

Located in High Risk Fire Zones 

New Constructions over 4500 Sq. Ft.

Multiple Claims filled in recent years

Questions? Visit the links below or contact our specialists at (855) 876-3776 

Frequently Asked Questions

NorthLight vs Cal Fair Plan

NorthLight vs Surplus

As stated by the California Fair Plan ,“The California 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.” California Fair Plan policies are designed as last resort insurance where customers are unable to obtain insurance through the voluntary market. The California Fair Plan also has major gaps in coverage that many customers may not be aware of. Homes that are close to brush/fire zones often have no other option but to have insurance through California Fair Plan as many insurance carriers require 1000 foot clearance from brush areas. People often discover after they suffer a loss that they have not purchased enough insurance or the right kind of insurance coverage for their needs.

With all the past wildfires and summer rolling in, homeowners need to take advantage of this opportunity! We are here to help the residents of California understand their options for homeowners insurance near brush fire zones, high risk areas, homes with previous or multiply claims and much more.  For more educational info check out :

WWW.FREEFIREZONEINSPECTIONS.COM