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Homeowners insurance in California is not required but highly recommended by bank lenders. Buying home insurance in California is a good idea for both new buyers and ones that have paid off their mortgage. Although insurance is recommended, sometimes it can be difficult for high-risk homeowners to obtain. Owners who are considered high-risk can now purchase insurance through California’s FAIR plan. The FAIR plan is basic home insurance that is not normally accessible to high-risk homeowners. This plan is a last resort option and requires certain requirements before qualifying.
The FAIR plan policy only covers dwelling coverage for certain situations. A homeowner then has the option to purchase add-on coverages for more protection. Here are some add-on options:
The cost of the FAIR plan differs by zip code, age of the home, condition of home, homeowners credit score, claims history, type of coverage, amount of coverage, and the deductible. Due to the complicated natured of homeowner’s insurance policies, it is a good idea to hire an insurance lawyer for help with obtaining insurance.
If you are in need of insurance or have been denied homeowners insurance, contact the Los Angeles insurance law attorneys at Abir Cohen Treyzon Salo, LLP will fight for your rights to home protection. Home insurance can be both difficult to obtain and challenging to collect when something detrimental happens to your home. Our dedicated team of attorneys will ensure that you receive the protection you need and the compensation you deserve. Call us today at 888-20-CLAIMopens phone dialer or complete an online form. Located in San Diego and Los Angeles, we serve clients throughout Orange County and Los Angeles County, including Beverly Hills, Calabasas, Malibu, Santa Monica, Long Beach, Hidden Hills, Pasadena, San Marino, Brentwood, Encino, Newport Beach, and Foresthill.
At Abir Cohen Treyzon Salo, LLP, we view the safety and well-being of our clients, staff and business partners as our highest priority.
The situation regarding the COVID-19 virus is continually changing, and we are following all recommended guidelines to stay healthy.
Currently, our law firm is remaining open to serve your legal needs.
We are happy to arrange for phone or video consultations should you have any concerns about keeping your scheduled appointments with us. We are also able to exchange documents via secure drives or email.
Should you have any concerns regarding an upcoming meeting with us, please contact us online or call (833) ACTS-LAW.
Thank you and take care.