The Hidden Risk of Relying on the California FAIR Plan Alone for Homeowners Insurance
As wildfires, underwriting restrictions, and insurer withdrawals reshape the California homeowners market, many residents—particularly in higher-risk areas—are turning to the California FAIR Plan as their only available fire insurance option. While the FAIR Plan can be a crucial backstop when standard insurers decline coverage, relying on it alone is a significant risk. The key to […]
Update on the California Homeowners Insurance Market
When the California homeowners’ insurance market hit its roughest patch, a lot of well-known names scaled back or even stopped writing new policies altogether. That left many homeowners scrambling. But not every company walked away. Some insurers stood firm, adjusted, and kept serving Californians through the worst of it. At CauseWell Insurance Services, we’re proud […]
California Fair Plan Rates Can Go Down, But Don’t Count On It
Wildfire season in California often arrives with a double threat: flames in the hills and fear in our mailboxes. Yet, amid the drumbeat of rising premiums, a few curious exceptions have emerged for 2025—small pockets of rate relief that hint at a more innovative, more nuanced approach to wildfire risk. In neighborhoods from Tierrasanta to […]
