Surviving a Home Non-Renewal in California — 30-Day Action Plan (Free PDF)
- 3 days ago
- 1 min read
If your homeowners insurance carrier just sent a non-renewal letter, you have time — California requires 75 days of advance notice. The most common mistake is panicking and grabbing the first quote. The second is doing nothing until your mortgage lender force-places coverage at 2-3x the rate. This 30-day action plan has worked for 1,000+ CoverToday clients.
📩 Get the PDF emailed to you with a free fire-zone home quote
Tap the button below — your email app opens with the request pre-typed to info@covertoday.com. Hit Send and we'll reply within an hour with the PDF + a personalized California quote (FAIR Plan + DIC if your standard carrier non-renewed).
Prefer to call or text? 310-299-5555 (English / русский).
Or skip the email and download the PDF instantly.
What’s in the action plan
Day 1-7: confirm the timeline + gather documents (declarations page, mortgage statement, photos/inventory, wildfire-mitigation receipts, defensible space inspection if you have one). Day 8-14: shop the standard market first — even in fire-zone ZIPs, Mercury, AAA, Pacific Specialty, Stillwater, Bamboo and several E&S markets sometimes still write. Day 15-25: apply to California FAIR Plan + DIC wraparound for full HO-3 equivalent coverage. Day 26-30: bind, notify your mortgage lender immediately to prevent force-placed insurance, set the 60-day-pre-renewal calendar reminder.
Talk to CoverToday
CoverToday has placed FAIR Plan + DIC packages for clients across California fire-zone ZIPs since 2016. Bilingual service in English and Russian. Same-day quote turnaround. CA Department of Insurance License #0K77310.
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