Insurance Issues


Many local residents are facing cancellation of their homeowners insurance. Unfortunately, almost nothing can be done at the local level to help with this problem. This page provides a few resources that might help you figure out your next steps.

You may not know that all local insurance agencies, even those affiliated with the same national brand, are independently owned brokerages that have different relationships with different Surplus Line Insurers (see definition of that below). This means that if one Allstate (for example) agent can't help you, another Allstate agent might be able to. You have to make a lot of phone calls. Call around. 

List of Approved Surplus Line Insurers (LASLI) 

What does "Surplus Lines" mean? Often called the “safety valve” of the insurance industry, surplus lines insurers (which are usually non-admitted carriers, see below) fill the need for coverage in the marketplace by insuring those risks that are declined by the standard underwriting and pricing processes of admitted insurance carriers.


Admitted vs Non-Admitted Insurance Company - what does that mean? PDF

Website of the California Fair Plan - insurer of last resort. 

Watch this video of the town hall held in Grass Valley on August 23, 2019 with state Insurance Commissioner Ricardo Lara, which has helpful information for those who are being non-renewed. To avoid local politician's opening remarks, skip to the 6-minute mark to start watching.


The following relates to Coalition activities only -- not helpful for individual residents

Insurance Questionnaire PDF For Coalition Survey

Insurance Questionnaire Word (Type directly onto document and return to Bob as attachment)


Fire Threat Areas - Map from the California Public Utilities Commission (PUC)