Helping California homeowners, landlords, and business owners find insurance options when coverage has become difficult, expensive, or unavailable through traditional carriers.
A licensed specialist will contact you within one business day.
Many Californians are facing sudden non-renewals, limited carrier availability, and confusing coverage decisions — especially in wildfire or high-brush areas. You don't have to figure it out alone.
We help simplify the process.
Independent guidance across the products most affected by California's hard market.
Coverage options for California homeowners, including primary residences, rental properties, and difficult-to-place homes.
Guidance on FAIR Plan eligibility, coverage limits, and supplemental options when standard carriers decline your property.
Difference in Conditions policies designed to work alongside FAIR Plan to fill important gaps in protection.
Personalized auto insurance reviews from multiple California carriers, including non-standard markets.
Coverage for business owners, commercial property, contractors, apartment owners, and more.
Property reviews for homes in CAL FIRE Zone 2 and Zone 3 — including roof, defensible space, and brush clearance guidance.
Four steps. Real guidance the whole way through.
Complete our quick form or call our office.
We look at your property, current coverage, renewal date, and insurance challenges.
You receive clear, plain-English guidance about available coverage paths.
We help you bind coverage and stay supported through renewals and changes.
Insurance in California is no longer one-size-fits-all. You need a broker who understands today's reality.
We work exclusively with California homeowners and businesses, so we know the carriers, the underwriting rules, and the FAIR Plan process inside and out.
From defensible space requirements to roof-age limits to DIC pairings, we navigate the specific challenges of high-risk properties every day.
We are not captive to one company. We compare available coverage from multiple carriers to find the right fit for your property.
Every policy comes with a plain-English review of what it covers, what it doesn't, and what it costs — before you commit.
You'll speak with a licensed California professional, not a chatbot or an out-of-state call center.
We help with renewals, mid-term changes, claims questions, and annual reviews — for as long as you stay covered.
CFP Specialist was created to help Californians navigate one of the most difficult insurance markets in the country. As coverage becomes harder to find in wildfire-prone areas, many homeowners and business owners need more than a basic online quote — they need guidance, explanation, and a clear plan.
As an independent California insurance brokerage, we work with multiple carriers and the California FAIR Plan to help our clients secure protection for their homes, vehicles, rental properties, and businesses. We specialize in helping homeowners facing non-renewals, properties in high wildfire risk zones, and any situation where standard coverage has become hard to find.
Our mission is simple: help California homeowners and business owners protect what matters most — even in difficult insurance situations.
Tell us a bit about your situation. A licensed specialist will follow up within one business day.
Including California FAIR Plan and DIC requests. Required fields are marked with *.
Personal auto quotes for California drivers and households.
For California businesses, commercial property, contractors, and apartment owners.
The California FAIR Plan is a state-mandated insurance option for properties that cannot obtain coverage through the standard market. It is often used for homes in wildfire or high-risk areas. It provides basic fire insurance — not a full replacement for a standard homeowners policy.
No. FAIR Plan coverage is more limited than a standard homeowners policy. Many clients also need supplemental coverage — often called a Difference in Conditions (DIC) policy — to fill gaps like liability, water damage, and theft.
Yes. We help clients review available options after non-renewals, cancellations, or major premium increases. We can also help you understand your timeline and immediate next steps.
In many cases, yes. Coverage options depend on the property, location, roof age, defensible space, and other factors. We help identify which carriers and programs will consider your specific address.
No. We also help with auto insurance, commercial insurance, rental properties, and business coverage across California.
No. If you choose to move your existing policy to our agency, changing the broker of record does not change your coverage, premium, or carrier. We simply become your point of contact for service.
Complete any form on this page or call our office. A licensed California insurance professional will review your situation and contact you within one business day.
Start with a quick insurance review. We'll guide you through the next step.
Request a quote or call (760) 749-1970