08/24/2026
My neighbor just got non-renewed by their insurance company. They live in a fire-prone zone and had been with the same carrier for 15 years. The market has changed that much. But here's the thing: coverage still exists, it just takes more work to find. First step is knowing your fire hazard severity zone. Then you need to work with an independent agent who can access the non-admitted market. And don't sleep on the FAIR Plan, it's not a failure state, it's a legit option. Have you had to fight for homeowners insurance this year? What helped?
