California Fair Plan – Rated Worst Choice in Homeowners Insurance for Topanga Canyon in 2017?

(But don’t worry, there is good news for Topangans who keep reading this article…)

Visit the CA Fair Plan website and here’s what you’ll find prominently displayed:

The FAIR Plan provides insurance as a last resort, and should be used only after a diligent effort to obtain coverage in the voluntary market has been made.

In addition (also on the California Fair Plan Home Page):

We recommend that all FAIR Plan policyholders shop for a different insurer at least annually in order to search for coverage that is more comprehensive than that offered by the FAIR Plan.

2 Questions:

  1. Do you feel like the California Fair Plan doesn’t want to insure you?
  2. When was the last time you shopped for a new Topanga Homeowners Insurance Policy?

The California Fair Plan is all but obsolete for Topanga Canyon in this day and age. And, as you can clearly see, they are kindly asking for current policy holders to shop and purchase their Topanga Canyon Homeowners Insurance Policy elsewhere.

Whether you are currently shopping for a new place to call home in Topanga, or if you’ve lived here for decades…

If you still insure your Topanga Canyon property with the California Fair Plan, you could be wasting thousands of dollars in premium for drastically inferior homeowners insurance coverage.

Pick up the phone and call us at (310) 826-0093 today! We have budget-friendly solutions that we can custom-tailor for your unique Topanga Canyon property.

State-of-the-Art Homeowners Insurance for Topanga Canyon Homes

Here’s what our Comprehensive Policy includes (that the CA Fair Plan does not):

  • Family Liability Coverage (up to $1mil) – Covers you when somebody is injured on or off your property and you are found legally responsible for damages (legal representation also included)
  • Guest Medical Protection – If a visitor is injured on your property, this coverage can help pay their medical expenses… and they won’t have to sue you (ask us why this vital and inexpensive coverage is so important)
  • Theft of Property (on and off premises) – From electronics to jewelry to furniture… this coverage is designed to replace your belongings that are stolen or damaged due to a covered loss. You even have the flexibility to schedule your family heirlooms and fine art on our policy. No separate policy needed.
  • Water Damage – If a pipe bursts, your home and/or your personal property (contents) will likely need to be fixed or replaced.
  • Loss of Use – During a covered loss, you might need this coverage to rent a hotel room or another house, comparable to yours, while your home is being repaired.
  • CA$H OUT Option (From total loss to Total Control) – This feature is a game-changer. Historically, it’s only been offered by Specialty Insurance Companies and on the most elite policies on their books… $20k+ a year in premium (designed for minimum $5mil Estates). Standard, built-in feature on our policy, despite the incredibly competitive policy price point. Call us at (310) 826-0093 and we’ll explain, in detail, why this option is crucial for you as a Topanga Canyon resident.

Brush Exposure is NOT an issue for us in Topanga Canyon.

If your insurance agent still advises you that there are no California Fair Plan Alternatives for Topanga Canyon due to high-risk brush exposure… It’s because they’ve got nothing else at their disposal to offer you.

Most insurance companies, the reputable one’s anyways, still won’t touch Topanga with a ten foot pole. But not all of them… and please keep in mind, we’re not talking about another expensive but watered down Difference in Condition (DIC) policy or a “Wraparound” to “feel in the gaps” where the Fair Plan falls short…

What we’re offering Topanga Residents is a full homeowners package policy, which eliminates the need for any supplemental insurance policies (and the pain in the neck that comes along with keeping up with all those different insurance carriers). And here’s the kicker…

Because this is a very specialized product, not offered by your average insurance agent, or agency, it will likely cost less in premium for remarkably superior coverage.

Who backs this Peace-of-Mind Homeowners Policy now offered in Topanga Canyon?

Probably the most important question of all… though we tend to focus on price initially. And it makes sense, cost is always an important factor when making big decisions, but the number (within reason of course) at the bottom of your insurance bill should be secondary only to who is actually providing you with insurance coverage and how you will be treated as a paying customer.

It’s easy to forget this, but buying insurance is essentially buying a promise… a promise to be there for you and take good care of you and your family – during time of need. We all hope we never have to use our insurance coverage, but when it does come down to claim time… that “moment of truth”… you want to be with an experienced Topanga Canyon Insurance Agency that cares. So you’ll be happy to know that our robust all-inclusive policy is backed by the largest publicly held personal lines insurer in the United States. A company with integrity and an award winning claims department that you know and already trust.

Who are we and why should you put your trust in our Topanga Insurance Agency?

We are Bromberg Insurance Services, Inc. Family-owned and operated since 1965. We’re experts in personal lines of insurance and we’ve been serving the Topanga Community for decades. We’ve certainly sold our share of the California Fair Plan to Topanga residents in the past… but options for Topangans have evolved and we encourage you to pick up the phone and call us today. Ask us \about your existing Fair Plan (or other Property Policy) and we’ll compare and contrast to our cutting-edge offering.

Talk to a real insurance expert… not a machine, and not an unlicensed rep reading a script…

We have a small, highly-skilled and knowledgeable staff. We don’t pass the buck here. If you have a question, we won’t transfer you to an 800# or a machine. You’ll get one of us on the phone, every time, and we’ll make sure you get the personal attention you deserve. Period.

Work with our award winning agency and you’ll see why we have one of the highest retention rates in the insurance industry and why most of our customers stay with us for life.

We are experts at managing risk… it’s what we do for all of our clients… and we’re not just looking to sell you one policy today…

Call (310) 826-0093 and allow us the opportunity to earn your respect, trust, and eventually your business as one of our valued customers – for life, and generations to come.