OLD HARBOR INSURANCE
Alternatives to the California FAIR Plan
Looking to Leave the California FAIR Plan?
We’re here to help
If you’re currently insured through the California FAIR Plan and searching for a better option, you’re not alone. Old Harbor Insurance helps Southern California homeowners move away from FAIR Plan coverage by identifying stronger alternatives, including carriers like Orion 180. As a local independent agency, we specialize in helping homeowners transition out of last-resort policies and into more complete, competitive coverage when options become available.
Get Started Today
Move Beyond the California FAIR Plan
Designed for Homeowners Who are:
- Currently insured through the California FAIR Plan
- Paying more for limited or basic coverage
- Actively looking for an alternative
- An existing homeowner in Southern California
- Open to newer carriers like Orion 180
Frequently Asked Questions
How Can We Help?
Why should I use an independent, local agent?
- No Obligations – We are able to obtain rates from multiple carriers, but remain your single point of contact for anything insurance related. Contrasted with companies such as Allstate, State Farm, Farmers, etc. that are only able to offer rates with a single company. We’re obliged to no one.
- Personal Connection – An independent agent is best suited to accommodate your needs as you transition through your life. We take getting to know you seriously, so we know how to best cover you and your family.
- Customer Service – We have real people on the other end of the phone and a real office you can walk into. No more 800 numbers with automated prompts, overseas customer service, or being transferred throughout numerous departments. Our number one priority is to serve you.
What types of alternatives exist to the FAIR Plan?
Alternatives may include specialty or emerging insurance carriers that are willing to write policies for properties that fall outside traditional underwriting guidelines. Availability and structure can vary by region and timing.
What is Orion 180 and why is it being discussed as an alternative?
Orion 180 is an established specialty insurance carrier that offers coverage options for certain properties that may otherwise fall under FAIR Plan guidelines. Old Harbor Insurance is a premier Orion 180 broker in Southern California, working with homeowners to evaluate this option as part of a broader strategy to move away from FAIR Plan coverage.
What is excluded from my insurance policy?
Each line of business typically has a number of industry-wide standard exclusions. For example, homeowner’s insurance always excludes flood and earth movement. Policy exclusions will always be listed in the policy you receive from your carrier. It is important to review your policy in its entirety. If you have any questions concerning exclusions, please consult with an Old Harbor insurance professional.
How does Old Harbor fit into this process?
Old Harbor works with homeowners currently on the FAIR Plan to review available options, explain differences between coverage approaches, and guide the transition process. After you submit your information, a member of the Old Harbor team reviews your situation and follows up to discuss next steps.