Request a Quote
A property may need a high-risk homeowners insurance policy if there's a greater risk of claims because of the geographic area, history of a high number of claims, lack of maintenance, high crime rate, or other factors. Insurers often decline to insure or refuse to renew a high-risk property when a policy ends, making it difficult for property owners to purchase the insurance they need.
Fair Access to Insurance Requirements (FAIR) Plans are state-mandated programs that provide access to insurance for individuals with high-risk properties who are having trouble insuring them. The California FAIR Plan is intended to be a last-resort insurance. Coverage is available to California property owners, but only if guideline requirements are met. The program typically provides minimal coverage at higher-than-standard rates, and there's always the chance that you won't be accepted.
OS Insurance Services founder, Luke Schuberg, recognized the need for an alternative to the FAIR plan and focused on offering a California FAIR Plan alternative to those having a hard time finding insurance. OS Insurance Services understands what's needed for a good home fire insurance in Ventura County, CA.
OS Insurance Services has a proven record of having successfully moved hundreds of people from the FAIR Plan into preferred policies. We are geographically bound by the borders of California and currently have clients located in Santa Barbara, Carpinteria, Ojai, Malibu, Topanga, Beverly Hills, Brentwood, Bel Air, and West Hollywood.
Our objective is to provide an alternative to the California Fair Plan for homeowners. We place you in a market product at rates that are less than your California FAIR Plan & Difference In Condition (“Wrap Around”) policy. This puts more money in your pocket at the end of the year. Some of our clients in the Santa Monica Mountains have saved up to $5,000 annually. All of our clients have seen an increase in their coverage. This is a win-win situation for everyone. There is no longer a need to support a program that gives you less than desirable insurance coverage at rates that climb every year.
Call us at (805) 496-1958 today to get the conversation started and to find out how we can help you.