by Amy Bach

It is not uncommon for people to break down in tears after getting a notice that their home insurer is dropping them as a customer.  In some cases it's tears of frustration that they paid all that money for insurance they never used, or tears of betrayal (I was loyal to them, why did they break up with me - what did I do wrong?).  Some people just feel panicked about shopping and the prospect of having to pay more than they can comfortably afford.  Some people just get angry. 

Our advice for California property owners:  If your home insurer drops you, start shopping, don't take the non-renewal personally, the Fair Plan is there if you can't find a better option.  And please tell us what your experience has been by taking our brief CA Home Insurance Survey.  Click here to take the survey.

For more details, here is our most current guidance:

Dropped by your insurer in California?  Where to go for help

The Lowdown from UP on the California Fair Plan, a last resort option for insuring your home 

Home Insurance Check UP

How to Avoid Being Underinsured


Related information:

Government Supported Property Insurance Programs Are Here to Stay 

UP Offers Solutions to California's Home Insurance Crisis

Wildfires push Californians to high risk insurance markets

Nearly 350,000 California Homeowners in Fire Prone Areas Dropped by Insurers




About The Blogger

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.  In 2019, Bach was appointed to a 3 year term as a member of the American Bar Association Standing Committee on Disaster Preparedness and Response.