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A Smart Alternative

Your trusted partner for California Dwelling Fire coverage

First Cap Property Insurance Solutions is a resource for risks that have for various reasons, found their way into the California FAIR Plan due to non-renewals or standard carriers exiting the California market. Using cutting-edge underwriting tools and software, First Cap Property Insurance Solutions is looking to identify good risks at lower premiums and delivering essential coverage to your clients at a competitive cost.

Dwelling Policies

  • Owner Occupied
  • Seasonal (Owner or Tenant Occupied)
  • Personal Property Coverage for Renters (H04)
  • Personal Property/Improvements and Alterations (H06)

    • Differentiation

    Differences from the California FAIR Plan include:

  • Total limits offered up to $4 million
  • Offered as Primary or Excess coverage
  • Maintenance Credit for Older Homes

    • Target Risk

  • $400K to $2M Dwelling Replacement Cost
  • Standard dwelling and construction type
  • Urban or Suburban located
  • Geographically spaced and spread throughout California