California FAIR Plan Alternative

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

California FAIR Plan Alternative

California FAIR Plans

A property may need a high-risk homeowners insurance policy if there's a greater risk of claims because of the geographic area, history of a high number of claims, lack of maintenance, high crime rate, or other factors. Insurers often decline to insure or refuse to renew a high-risk property when a policy ends, making it difficult for property owners to purchase the insurance they need.

Fair Access to Insurance Requirements (FAIR) Plans are state-mandated programs that provide access to insurance for individuals with high-risk properties who are having trouble insuring them. The California FAIR Plan is intended to be a last-resort insurance. Coverage is available to California property owners, but only if guideline requirements are met. The program typically provides minimal coverage at higher-than-standard rates, and there's always the chance that you won't be accepted.

Alternative to the California FAIR Plan

OS Insurance Services founder, Luke Schuberg, recognized the need for an alternative to the FAIR plan and focused on offering a California FAIR Plan alternative to those having a hard time finding insurance. OS Insurance Services understands what's needed for a good home fire insurance in Ventura County, CA.

Proven Track Record

OS Insurance Services has a proven record of having 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, and West Hollywood.

Our Objective

Our objective is to provide an alternative to the California Fair Plan for homeowners. We place you in a market product at rates that are less than your California FAIR Plan & Difference In Condition (“Wrap Around”) policy. This puts 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. There is no longer a need to support a program that gives you less than desirable insurance coverage at rates that climb every year.

Call us at (805) 496-1958 today to get the conversation started and to find out how we can help you.

  • 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.

Don't Just Take Our Word For It

See what our customers are saying about us.