Often yes, and where a carrier declines or non-renews a home near the mountains, we can pair a California FAIR Plan policy with a difference-in-conditions wrap so it keeps broad protection beyond fire alone.
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Your own policy covers your dwelling or unit and contents, while the association’s master policy covers shared structures, so we explain how the two fit together and add loss-assessment ...
Earthquake is excluded from standard California home policies everywhere in the state, so it is a separate decision rather than an area-specific yes or no, and we walk through ...
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