BIGFOOT INSURANCE SERVICES
● SPECIALIZED INSURANCE SERVICE
GET OFF THE
CALIFORNIA FAIR PLAN
You May Qualify for Better Coverage, Lower Premiums, or Both
If you're currently insured through the California FAIR Plan, you may have more options than you realize.
Many California homeowners are surprised to learn they may qualify for admitted or non-admitted homeowners insurance that provides broader coverage and, in some cases, costs less than a FAIR Plan combined with a DIC policy.
At BigFoot Insurance, we shop multiple insurance markets to help homeowners compare admitted carriers, non-admitted carriers, FAIR Plan alternatives, and other available options.
Prefer human assistance? Speak with our specialist: 530-852-3716
Carrier Partners & Markets We Represent
● LIMITATIONS
Why Home
owners Are Looking for
Why Homeowners
Are Looking for
Alternatives to the FAIR Plan
The California FAIR Plan was created as a last-resort insurance option for homeowners who cannot obtain coverage elsewhere.
While it provides important protection, many homeowners find themselves paying thousands of dollars annually while still needing a
separate DIC policy for more complete coverage.
Common concerns include:
❌ Rising premiums
❌ Separate DIC policy costs
❌ Multiple policies to manage
❌ Limited coverage compared to a traditional homeowners policy
❌ Multiple insurance companies involved in a loss
❌ Increasing insurance costs year after year
❌ Separate DIC policy costs
If this sounds familiar, it may be worth exploring what other options are available.
● LIMITATIONS
Why Home
owners Are Looking for
Why Homeowners
Are Looking for
Alternatives to the FAIR Plan
The California FAIR Plan was created as a last-resort insurance option for homeowners who cannot obtain coverage elsewhere.
While it provides important protection, many homeowners find themselves paying thousands of dollars annually while still needing a
separate DIC policy for more complete coverage.
Common concerns include:
❌ Rising premiums
❌ Separate DIC policy costs
❌ Multiple policies to manage
❌ Limited coverage compared to a traditional homeowners policy
❌ Multiple insurance companies involved in a loss
❌ Increasing insurance costs year after year
❌ Separate DIC policy costs
If this sounds familiar, it may be worth exploring what other options are available.
● MARKET COMPARISONS
We Compare Admitted &
Non-Admitted Insurance Options
Unlike agencies that only offer one solution, BigFoot Insurance compares multiple insurance markets.
Depending on your property, you may qualify for:
Admitted Homeowners Insurance
When available, this is often the first option we explore.
Benefits may include:
✔ Traditional homeowners coverage
✔ California-regulated policies
✔ CIGA protection
✔ Competitive pricing
✔ Familiar national and regional insurance companies
Non-Admitted Homeowners Insurance
For homes that admitted carriers may decline.
Benefits may include:
✔ Coverage for higher wildfire-risk properties
✔ Single-policy solutions available
✔ Broader coverage than FAIR Plan fire-only protection
✔ Alternatives to FAIR Plan + DIC combinations
✔ Access to specialty markets such as Orion 180 FLEX and other carriers
● MARKET COMPARISONS
We Compare Admitted &
Non-Admitted Insurance Options
Unlike agencies that only offer one solution, BigFoot Insurance compares multiple insurance markets.
Depending on your property, you may qualify for:
Admitted Homeowners Insurance
When available, this is often the first option we explore.
Benefits may include:
✔ Traditional homeowners coverage
✔ California-regulated policies
✔ CIGA protection
✔ Competitive pricing
✔ Familiar national and regional insurance companies
Non-Admitted Homeowners Insurance
For homes that admitted carriers may decline.
Benefits may include:
✔ Coverage for higher wildfire-risk properties
✔ Single-policy solutions available
✔ Broader coverage than FAIR Plan fire-only protection
✔ Alternatives to FAIR Plan + DIC combinations
✔ Access to specialty markets such as Orion 180 FLEX and other carriers
● HIDDEN FINANCIAL GAPS
Could You Be Paying
More Than Necessary?
Every property is different, but many homeowners don't realize the true cost of combining multiple policy coverages.
When you add up the standalone bills, the overhead builds up quickly:
▪ FAIR Plan Premium
State-backed fire insurance pricing can vary wildy.
▪ DIC Policy Premium
A separate "wrap" policy is required to get liability, water, and theft coverage.
▪ Policy Fees
Filing fees, surplus taxes, and policy administration surcharges on both.
▪ Multiple Deductibles
Paying two separate deductibles if a loss covers both fire and wrap elements.
▪ Coverage Limitations
Gaps between fire-only and wrap coverage can leave homeowners under-insured.
We help homeowners compare their total insurance costs against admitted and non-admitted alternatives that may be available.
Even when premiums are similar, many homeowners choose to switch because they can obtain broader protection through a single policy.
● TRANSPARENT METHODOLOGY
We Start With
Admitted Markets First
Our goal is not to place every homeowner with a non-admitted carrier. Our goal is to find the best available option for your property.
When we review your home, we compare:
✔ Admitted carrier options
✔ FAIR Plan alternatives
✔ Premium comparisons
✔ Non-admitted carrier solutions
✔ Coverage differences
✔ Admitted carrier options
✔ FAIR Plan alternatives
✔ Non-admitted carrier solutions
✔ Coverage differences
✔ Premium comparisons
Then we present your options and let you decide what works best for your needs and budget.
● NO-HASSLE PREPARATION
What We'll Need
You don't need piles of paperwork. Just a few basic details let us handle 100%
of the underwriting comparison:
Property Address
Current Insurance Carrier
Current Premium
Square Footage
Roof Age
Year Built
Contact Information
We'll do the shopping and comparison work for you.
Don't Assume the FAIR Plan Is Your Only Choice
✅️ You may qualify for an admitted carrier.
✅️ You may qualify for a non-admitted carrier.
✅️ You may be able to improve your coverage.
✅️ You may even reduce your overall insurance costs.
✅️ You may qualify for an admitted carrier.
✅️ You may qualify for a non-admitted carrier.
✅️ You may be able to improve your coverage.
✅️ You may even reduce your overall insurance costs.
The only way to know is to compare your options.