If you are one of the many Californians whose insurance company has notified them they will not be renewing your home owner's policy, don’t panic. First, your insurer must give you at least 75 days notice before your policy expires to issue a non-renewal. You can also contact your provider to see if there are any actions you can take to qualify for a renewal. The California Department of Insurance provides useful guidance for responding to non-renewal notifications and also provides several information guides, tips, and tools for understanding home/residential insurance. Plus, you can contact their Insurance Customer Hotline (800-927-HELP) for assistance. In the event you can't get the decision reversed, finding a good agent using the resources mentioned above can help you find and maintain adequate coverage you can afford.
You will always be able to find home owner's fire insurance through the California FAIR Plan.The California Fair Access to Insurance Requirements (FAIR) Plan provides basic fire insurance coverage for properties in high-risk areas as a “last resort” option when traditional insurance coverage is not available. A FAIR Plan policy offers protection from risk of fire and will satisfy a mortgage company’s requirement that your home be insured, but it doesn’t cover theft, flood, earthquake, hail, vandalism, or personal liability. Those you will still need to get through another provider.