California · non-renewal & FAIR Plan
A non-renewal letter isn't the end of the road — and the FAIR Plan doesn't have to be your only option. We're licensed producers who read what the FAIR Plan actually leaves out, layer a difference-in-conditions wrap over it, and work the admitted and E&S carriers that still write coastal and wildfire homes. Better coverage, fewer gaps, one producer to call.
Why this keeps happening
Over the last few years, several major carriers have paused or pulled back from writing homeowners policies in California — especially in brush, wildfire, and coastal zones. If your renewal was declined or your rate jumped overnight, it usually has far more to do with a carrier's statewide catastrophe appetite than with anything about your specific home.
The California FAIR Plan exists as the state's insurer of last resort, and for many owners it becomes the default fallback. But it was built to be a safety net, not a finished policy. A FAIR Plan dwelling policy typically covers fire and a short list of named perils — and commonly leaves out liability, theft, water damage, and other losses a standard homeowners policy includes. That's the gap that catches people by surprise at claim time.
01
Your carrier exits the zone or trims its book, and your policy isn't renewed — often with only weeks of runway before coverage lapses and your lender starts asking questions.
NON-RENEWAL · CARRIER EXIT · LENDER PRESSURE
02
The FAIR Plan can keep the structure insured against fire, but a bare dwelling policy leaves liability, theft, and water losses uncovered — and the limits may not match replacement cost.
NAMED PERILS ONLY · NO LIABILITY · LIMIT CAPS
03
We pair FAIR Plan fire coverage with a difference-in-conditions wrap — or replace it outright with an admitted, E&S, or high-net-worth policy that writes the whole risk in one place.
DIC WRAP · ADMITTED · E&S · HNW
What a DIC wrap is
A difference-in-conditions (DIC) policy is a companion policy that sits on top of a FAIR Plan dwelling policy and fills in what the FAIR Plan doesn't cover. The FAIR Plan handles the fire peril it was designed for; the DIC wrap adds back personal liability, theft, water damage, and the broader losses you'd expect from a standard homeowners form. Together, the two policies are built to function like one complete package.
A wrap isn't always the answer, though. For many homes we can skip the two-policy structure entirely and place a single admitted or non-admitted (E&S surplus lines) policy that covers the full risk on its own. For estates and high-value homes, specialist high-net-worth carriers often write coastal and wildfire exposure with guaranteed or extended replacement cost. Our job is to compare the real options side by side — a FAIR Plan-plus-DIC pairing versus a standalone policy — and show you which one covers more for the money.
"The FAIR Plan is a starting point, not a destination. Our job is to get you off it — or wrap it into a policy that actually protects the home."
How it works
STEP 0130 MIN
Share your non-renewal notice, your current or FAIR Plan declarations, and the basics on the home. We read the limits, exclusions, and any lender requirements — free and confidential.
STEP 02THE MARKET
Your home goes to the admitted, E&S, and high-net-worth desks that still write coastal and wildfire risk — plus a DIC wrap option priced against the FAIR Plan.
STEP 03BOUND
You see the options side by side — coverage, exclusions, and cost. We bind the one that fits and stay on it through renewals, mitigation credits, and claims.
Who this is for
If you own in a brush, wildfire, or coastal zone and your carrier has grown skittish, you're exactly who we place. That includes primary residences, second homes, and the high-value estates where a FAIR Plan cap falls well short of true replacement cost.
WILDFIRE & BRUSH ZONESCOASTAL & BLUFF-TOP HOMESHIGH-VALUE ESTATES SECOND HOMESRENTAL & INVESTMENT DWELLINGSNEWLY NON-RENEWED
This page is the residential side of what we do. Owners and operators also come to us for our full commercial & estate coverages — property, liability, and specialty lines — and families protecting a trophy property lean on our work with luxury residential & estates. Same producer, same phone number, whichever door you come in through.
Start here
A non-renewal letter in hand, a FAIR Plan policy you want to improve, or a renewal you want stress-tested before it's too late — send the basics and we'll take it from there. Response within one business day.
Prefer to talk? Call or text (305) 990-2753 or email team@haymakersre.com
FAQ
A FAIR Plan alternative is full-featured homeowners coverage placed in the admitted or excess and surplus market instead of the state's bare-bones FAIR Plan. Where a full policy is not available, we pair the FAIR Plan with a DIC wrap to restore comprehensive protection.
A Difference in Conditions (DIC) policy wraps around the FAIR Plan to add back liability, theft, water damage, and other perils the FAIR Plan excludes. Together they replicate the coverage of a standard homeowners policy.
Bring us the non-renewal letter and we will review your coverage for free and take it to the high-value and specialty markets that still write wildfire- and coastal-exposed homes in California, often before the current policy lapses.
Usually not. The FAIR Plan covers fire and a few named perils but excludes liability, theft, and water damage, which is why we add a DIC wrap or place a full alternative policy.
Call or text (305) 990-2753 or email team@haymakersre.com. Haymakers is a licensed California insurance producer (#4348309) and reviews are free.
