Save the documents
Keep the notice, current declarations page, endorsements, claim history, property details, and any mitigation documentation. Note the policy expiration date and any response deadlines.
Compare more than a premium
When evaluating options, compare the property covered, dwelling limit, deductible, liability, personal-property terms, exclusions, and policy form. Ask what is subject to underwriting.
Understand last-resort options
California Department of Insurance guidance describes the FAIR Plan as basic property coverage for people who cannot obtain insurance in the regular market. Read its limitations and any supplemental policy carefully.