Rebuild cost, not market value, sets the dwelling limit
The number that decides a home claim is the dwelling limit, and in California construction costs have moved faster than most policies have. Earthquake and flood are excluded from every standard form here and are arranged separately. If a carrier has declined or non-renewed you for wildfire, that is not the end of the conversation. A California FAIR Plan policy paired with a difference-in-conditions wrap restores what the FAIR Plan leaves out.
