The Problem with Home Insurance in California
California homeowners face big challenges:
- Skyrocketing insurance premiums
- Insurance companies leaving California
- Getting dropped by insurance companies for fire risk or prior claims
- California’s FAIR Plan provides bare-bones protection
"Coverage Cat was strictly better than the three insurance providers we worked with directly. They removed coverage meaningless for our dwelling/circumstances, applied discounts others omitted, and found a provider with more coverage at lower cost on the areas that mattered. They easily won our business." - Arthur, a real Coverage Cat customer
đź”’ We don't sell your information - no spam, and no calls
The Coverage Cat Difference
Coverage Cat puts your needs first, not our profits. Here's how we do it:
Coverage Cat
- Coverage Cat is a licensed insurance broker
- Coverage Cat finds you the best option, even if we don’t make a commission
- Coverage Cat prioritizes smarter coverage, so you’re not paying more for protections you don’t need
Other Insurance “Comparison” Sites
- Sell your information to insurance companies
- No advice on how to protect your biggest investment
- Constant spam calls and emails
Why Coverage Cat?
1. Help for "Hard to Insure" Homes
Lost your insurance due to fire risk or too many claims? Coverage Cat partners with traditional insurance companies, as well as specialty carriers that focus on hard to insure homes.
2. Find Alternatives To the FAIR Plan
The California FAIR Plan is a last resort with minimal coverage. Coverage Cat finds you better options from our network of insurers. FAIR Plan alternatives can save you time and money with:
- Better Coverage: FAIR Plan policies only cover fire and smoke damage, leaving you exposed when it comes to liability claims, theft, windstorms, and more.
- Lower Costs: In 2023, FAIR Plan rates rose by 15% and they’re expected to rise even higher as more customers join.
- One Efficient Policy: To get full protection with the FAIR Plan, your lender can require you to buy a "Difference in Conditions" policy. A single insurance policy is easier to manage and can cost less than two policies.
- Personalized Protection: The FAIR Plan is a last-resort option and doesn't offer the personalized service you get with regular insurers.
3. We Find the Best Coverage for You
Our goal is to find you the right policy, not one that will earn us the largest commission. If you need to fix your FAIR Plan coverage, Coverage Cat also offers Difference in Conditions policies.
4. Ongoing Support
We review your policy regularly to make sure it still fits your needs. If a more cost-effective one becomes available, we'll notify you and help you switch.
5. Expert Guidance
Our agents guide you through the buying process and help you understand what is and isn't covered in your policy.
6. Help with Claims
Filing a claim is easy - navigating when to file a claim, how to communicate with your insurance company, and how your premium will be affected is much harder. Coverage Cat helps customers with personalized claim support when they need it most.
7. We Protect Your Privacy
We never sell your info. We use it only to find you the right policy.
A Real (Anonymized) Coverage Cat Experience
The Johnson family was dropped by their insurer when the company decided to stop offering policies in California.
They tried to get online quotes and found nothing. A local broker recommended the FAIR Plan with a Difference in Conditions policy to satisfy their mortgage company.
Coverage Cat found them a Delos Homeowners Insurance policy which cost less than their bundled options, but provided substantially more coverage. How?
- Coverage Cat searched our network of both admitted and non-admitted carriers
- Coverage Cat reduced costs with higher deductibles for less important coverages
- Coverage Cat brokers advised the the Johnsons on the best endorsements to add or remove from their policy to maximize their protection and lower their prices.
The result: With Coverage Cat by their side, the Johnson’s upgraded their insurance and avoided switching to limited FAIR Plan coverage.
Literally the most seamless experience ever. No agent could get a homeowners insurance policy in the time frame that Coverage Cat got it done.
Very seamless. Efficient and responsive. I will be using them again for the rest of my assets." - Sagnik another happy Coverage Cat customer
How Coverage Cat Works
- You fill out our easy online form
- Coverage Cat agents review your details
- You receive online quotes by email
- We help you finalize your purchase, even if we don’t get a commission.
Protect Your Home Now
Don't let California's insurance problems leave you at risk. Coverage Cat works hard to find you the right coverage.
Want to see your options? Get started now and let us match you to the right protection at a fair price.
