California FAIR Plan Alternative

Tired of the California FAIR Plan's high rates, insufficient and dropped coverage?

California FAIR Plan Alternative

OS Insurance Services has a proven record of moving people away from the California FAIR Plan and into a market product which provides coverages that are inclusive in a standard home fire policy. We have successfully moved hundreds of people from the FAIR Plan into preferred policies. We are geographically bound by the borders of California and currently have clients located in Santa Barbara, Carpinteria, Ojai, Malibu, Topanga, Beverly Hills, Brentwood, Bel Air & West Hollywood.

Brush Specialist Luke Schuberg built this business on a niche market that most insurance agencies run away from. If you live in "brush" then you well know that this is not one of those "15 minutes can save you 15%" kind of programs. This is a process. Call (805) 496-1958 today to get the conversation started.


The California FAIR Plan was created in 1968 following the brush fires and riots in the 1960's which made it difficult for property owners to purchase homeowners insurance because either preferred carriers were charging exorbitant rates in these areas or simply not offering coverage altogether.

Many California residents have taken steps recommended to protect their homes in the beautiful terrain of California's hillsides, yet they are continually forced into an insurance program that provides minimal coverages at higher than standard rates.

The FAIR Plan itself states that client participants will see an average of 6.7% rate increase for the new year. Our clients in the Southern California mountains are seeing rate increases from 80 to 100% for the 2013-2014 year.

Our Objective

Our objective is to place you in a market product at rates that are less than your California FAIR Plan & Difference In Condition (also known as “Wrap Around”) policy thereby placing more money in your pocket at the end of the year. Some of our clients in the Santa Monica Mountains have saved up to $5,000 annually. All of our clients have seen an increase in their coverage. This is a win-win situation for everyone involved. There is no longer a need to support a program that gives you less than desirable insurance coverage at rates that climb every year.

Let OS Insurance Services help you avoid these rising rates. Take the first step right now by contacting us.

  • Get the Right Policy

    Get The Right Policy

    We are here to help. You're just a click away from taking the stress and trouble out of choosing the right insurance policy.

  • We Can Help

    We Can Help

    We can help you understand the different coverage types available in your state. Then you can decide what limits and deductibles best fit your needs.

  • Multi-Policy Savings

    Multi-Policy Savings

    We give you multiple ways to save money when you choose more than one insurance policy.

  • 24/7 Claims Hotline

    24/7 Claims Hotline

    Because accidents, thefts, or anything can happen any time, you can call us any time. We have claims experts on call to help walk you through the claims process and provide a quick, quality response.

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