CALIFORNIA FAIR PLAN
The California Fair Plan or CFP, is a state run organization that was specifically created in order to cover people when they had no other options for insurance. There are many reasons you can be non renewed in California, they range from having too many claims, certain types of high risk claims (water, theft, etc.) or simply because you live in a high risk area such as a “brush zone”. For years California residents have been subjected to using CFP as a last resort when all other insurance companies had abandoned them. We are one of the first organizations to help you find a policy without sacrificing coverages. While the CFP can be crucial in covering you for fire damage if you are in a high risk area, coverages such as water damage and theft are left out of the policy leaving the insured with a serious gap in coverage. This factor combined with the higher premium make the CFP a last resort. If you are currently under the California Fair Plan please contact us immediately to find out what is not covered on your policy, and how we can find you an insurance company that will cover you and your family completely.