Home Insurance Solutions for Riverside & San Bernardino County
If you’ve recently received a non-renewal notice from your insurance company or have been told your home is “too high risk” to insure, you’re not alone. Thousands of homeowners throughout California’s Inland Empire are facing the same challenge.
At Starwest Insurance Services, we specialize in helping homeowners secure California FAIR Plan coverage along with the supplemental insurance needed to properly protect their homes.
Whether you live in Riverside, Corona, Norco, Eastvale, Murrieta, Temecula, Menifee, Lake Elsinore, Hemet, Beaumont, Banning, Redlands, Yucaipa, Rancho Cucamonga, Upland, Fontana, Ontario, Chino Hills, Apple Valley, Hesperia, Victorville, Big Bear, Crestline, Running Springs, or Lake Arrowhead, we can help.
What Is the California FAIR Plan?
The California FAIR Plan is designed as an insurer of last resort for property owners who are unable to obtain insurance through the traditional market. It provides basic fire insurance coverage for eligible homes and businesses when standard insurance companies decline to offer coverage.
The FAIR Plan is not intended to replace a standard homeowners insurance policy. Instead, it provides limited property protection that is often combined with a separate policy to create more complete coverage.
Why Are More Inland Empire Homeowners Being Placed on the FAIR Plan?
Many insurance companies have reduced or stopped writing new homeowners policies in wildfire-prone areas of California. Even homes that have never experienced a wildfire may receive non-renewal notices because insurers are reducing their overall exposure in certain regions. As a result, more homeowners are turning to the California FAIR Plan as a temporary solution.
Common reasons homeowners are declined include:
- Wildfire exposure
- Brush hazard
- Remote locations
- Multiple prior claims
- Older roofs or deferred maintenance
- Carrier restrictions in certain ZIP codes
What Does the California FAIR Plan Cover?
A basic FAIR Plan policy generally provides protection for:
- Fire
- Lightning
- Smoke
- Internal explosion
Optional endorsements may provide additional named-peril coverage, but a FAIR Plan policy does not automatically include many of the protections found in a traditional homeowners policy.
Why You Also Need a Difference in Conditions (DIC) Policy
One of the biggest misconceptions is that a FAIR Plan policy is a complete homeowners policy.
It isn’t.
Most homeowners should pair their FAIR Plan policy with a Difference in Conditions (DIC) policy, which can provide valuable coverage for:
- Water damage
- Theft
- Liability protection
- Personal property
- Additional living expenses (loss of use)
- Vandalism (depending on the policy)
- Other important coverages not included in the FAIR Plan
Together, a FAIR Plan policy and a DIC policy create protection that is much closer to a traditional homeowners insurance policy.
We Shop Multiple Markets
Every property is different.
Before recommending the California FAIR Plan, we first check whether your home qualifies with admitted or specialty insurance carriers. If traditional coverage is unavailable, we can help design a FAIR Plan and DIC package that fits your property’s needs.
We regularly assist homeowners with:
- Non-renewals
- New home purchases
- Escrow requirements
- High wildfire risk properties
- Mountain homes
- Rural properties
- Trust-owned homes
- LLC-owned properties
- Rental homes
- Vacant properties
We Serve the Entire Inland Empire
Our agency helps homeowners throughout:
Riverside County
- Riverside
- Corona
- Eastvale
- Norco
- Murrieta
- Temecula
- Menifee
- Lake Elsinore
- Hemet
- Perris
- Beaumont
- Banning
- Moreno Valley
San Bernardino County
- Rancho Cucamonga
- Ontario
- Upland
- Fontana
- Chino Hills
- Redlands
- Highland
- Yucaipa
- Victorville
- Hesperia
- Apple Valley
- Big Bear Lake
- Lake Arrowhead
- Crestline
- Running Springs
Why Choose Starwest Insurance Services?
For more than 30 years, Starwest Insurance Services has helped California homeowners find insurance solutions for difficult-to-place properties.
We understand:
- California FAIR Plan underwriting
- DIC coverage
- Replacement cost calculations
- Homes in high fire hazard areas
- Mortgage lender insurance requirements
- Investment properties
- Trust and LLC ownership
Our goal is simple: help you obtain the protection you need while exploring every available insurance option.
Need a California FAIR Plan Quote?
If your homeowners insurance has been non-renewed, canceled, or you’re buying a property that other companies won’t insure, we’re here to help.
Contact Starwest Insurance Services today.
📞 (714) 893-7271
James C.Q. Banh
Agency Director & Senior Marketing Director
CA License #0B83846
Serving homeowners throughout Riverside County, San Bernardino County, Orange County, Los Angeles County, and all of California.