Important: California's Wildfire Insurance Crisis
Many major carriers have stopped writing new homeowners policies in Placer County and surrounding foothill areas due to wildfire risk. If you've received a non-renewal notice, you have options — call us and we'll walk you through them. We work with carriers that are still active in the region.
Coverage Options We Offer
Every home situation is different. We'll look at your property, location, and risk profile to find the right coverage — including options for properties that standard carriers won't touch.
Standard Homeowners (HO-3)
Covers your home's structure, personal property, liability, and additional living expenses if your home becomes uninhabitable.
Wildfire & High-Risk Properties
Access to carriers still writing in foothill and high-risk areas, including FAIR Plan placement and companion policies for gap coverage.
Renters Insurance
Protect your belongings and personal liability even if you don't own your home. Often less than $15/month.
Condo / HO-6
Coverage for the interior of your unit and your personal property, supplementing your HOA's master policy.
Earthquake Insurance
Standard homeowners policies exclude earthquakes. We offer separate earthquake policies through the California Earthquake Authority and other carriers.
Flood Insurance
Also excluded from standard policies. We offer NFIP and private flood coverage through Wright Flood, Philadelphia Flood, and US Assure.
The California FAIR Plan — What You Need to Know
The California FAIR Plan is a last-resort insurer for homeowners who can't get coverage in the standard market. While it's better than nothing, it has significant limitations:
- FAIR Plan only covers the structure — not personal property, liability, or additional living expenses
- You'll need a separate "Difference in Conditions" (DIC) policy to fill the gaps
- We work with carriers that offer DIC policies specifically designed to complement FAIR Plan coverage
- FAIR Plan rates have increased significantly — we'll help you compare all available options first
If you've been placed on the FAIR Plan or received a non-renewal notice, call us. We often find alternatives that provide better coverage at a better price.
Why Placer County Homeowners Need More Than Minimum Coverage
- Home values in Loomis, Granite Bay, and Auburn have increased significantly — make sure your dwelling coverage reflects current rebuild costs, not what you paid for the home
- Wildfire risk is real in foothill communities — check whether your policy includes extended replacement cost, which pays above your coverage limit if construction costs spike post-disaster
- Liability coverage protects you if someone is injured on your property — $100,000 is rarely enough; $300,000–$500,000 is a better starting point
- An umbrella policy can add $1M+ of liability coverage for a few hundred dollars per year
Frequently Asked Questions
My carrier just sent me a non-renewal notice. What do I do?
Don't panic, but do act quickly — you typically have 60 days from the notice date. Call us immediately. We'll look at what carriers are still writing in your area, whether there's a FAIR Plan + DIC combination that makes sense, and what the real cost comparison looks like. Non-renewals have become common in Placer County, and we navigate this regularly.
How do I know if I have enough dwelling coverage?
Your dwelling coverage should reflect the cost to rebuild your home from the ground up — not its market value. These numbers are often very different, especially in the current construction environment. We can walk you through an estimate and flag any gaps.
Does homeowners insurance cover wildfire?
Standard HO-3 policies typically cover fire, including wildfire — but many carriers are excluding or non-renewing policies in high-risk areas. If your policy is still active, review the exclusions. If you've been non-renewed, let us find you coverage before the gap period starts.
What does "additional living expenses" coverage mean?
If your home is damaged and you can't live there during repairs, ALE (also called Loss of Use) pays for hotel stays, restaurant meals, and other extra costs above your normal living expenses. This is especially important in disaster scenarios where local housing becomes scarce and expensive.
Do I need separate earthquake coverage?
Yes — standard homeowners policies exclude earthquake damage. Given California's seismic activity, earthquake insurance is worth serious consideration. Premiums are based on your home's location, age, and construction type. We'll get you a quote so you can make an informed decision.