A useful review looks beyond price. We’ll examine rebuilding limits, liability, deductibles, endorsements, discounts, drivers, vehicles, household changes, and upcoming renewal dates.

Have you remodeled or added square footage?

Has anyone moved in or out?

Any new drivers or vehicles?

Do you own rental property?

Have you added a pool, trampoline, solar, or an ADU?

Is your liability limit high enough for your assets?

Homeowners comparison tool

Compare more than the premium.

Option A

Dwelling limit$Deductible$Liability limit$Water backupExtended replacement

Option B

Dwelling limit$Deductible$Liability limit$Water backupExtended replacement

Quick comparison

Option A has the lower deductible.
Option B has the higher liability limit.
Option A includes water backup coverage.

This highlights a few differences only. Policy forms, exclusions, sublimits, and endorsements still need a full review.

California FAIR Plan

Essential fire protection—usually not the whole solution.

The FAIR Plan is California’s insurer of last resort for properties that cannot obtain coverage in the standard market. Its basic dwelling policy covers specifically listed—or named—perils, rather than providing the broad protection of a typical homeowners policy.

What it commonly addresses

Fire, lightning, internal explosion, and additional named perils when selected, subject to policy terms.

What a DIC policy can add

Difference in Conditions coverage may fill important gaps such as liability, theft, water damage, and broader property protection, depending on the policy.

Why review both policies together

Limits, deductibles, exclusions, and overlapping coverage should be coordinated so the combination works as intended.

For real estate agents & lenders

Know the insurance picture before the offer or closing.

We help real estate agents, mortgage lenders, and their clients research insurability, brush exposure, replacement cost, likely market options, and estimated premiums early—when the information can still shape the transaction and prevent closing delays.

Refer a client

A responsive insurance partner

Pre-offer and pre-closing insurance research
Clear explanations your clients can understand
Quote support for standard, FAIR Plan, and DIC solutions
Fast support for escrow and lender requirements

Turning 65 or reviewing coverage?

Request a conversation about enrollment timing, plan types, provider access, prescriptions, and costs.

Medicare information

Make Medicare easier to understand.

We’ll help you organize the questions that matter and compare choices based on your doctors, medications, budget, and preferences. Medicare has neither reviewed nor endorsed this information.

Request a Medicare appointment

Get started

Tell us how we can help.

Submit a quote, review, referral, or appointment request. You can also attach your current policy.