Many states offer Fair Access to Insurance Requirements policies for high-risk homes, or beach and windstorm plans for coastal properties. The California FAIR Plan sells insurance for damage from fire, lightning, internal explosions and smoke, with optional coverage available at an additional cost. But the reasons differ — worsening hurricane seasons combined with increasing litigation have driven up home insurance costs and non-renewals in the state.
Citizens offers coverage similar to that of private insurers, including dwelling, personal property, other structures and additional living expense coverage, though limits may be lower. In some areas, the company also sells wind-only policies that cover damage from hurricanes and other wind-related catastrophes.
Policies are available only through an independent agent. Steps 1. Know your rights. Make home improvements. Shop around for another policy. Consider surplus lines. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories.
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