We've all noticed that it's harder to get fire insurance these days, with any residents in California only able to get a California Fair Plan (CFP) policy, the state's alternative to private insurers.
Einhorn Insurance offers comprehensive coverage by combining a California Fair Plan policy with a Difference in Conditions (DIC) policy. A CFP policy can cover damage from Fire, Lightning, Internal Explosion, Smoke, Wind, Hail, Riot, Vandalism, Malicious Mischief, Aircraft and Vehicles. The DIC policy covers items such as water damage (the #1 reason for home insurance claims), liability (someone gets hurt at your property), and theft. The 2 policies combined mimic a traditional home insurance policy - with savings possible up to 7% compared to similar coverage.
You can read more Einhorn Insurance article HERE.