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Seems like you conveniently forgot another option here? Seize the fucking company. It belongs to California now.
California already has a state run home insurance company. They are allowed to charge whatever they need to charge to always offer a plan to any homeowner even in high risk areas. Guess what? It's twice as expensive as State farm.
If I had the option of paying State farm 50% more or paying double to go back to CA fair plan, guess which I'd choose.
I have FAIR plan and a homeowners insurance jsut for 1 house. Both together are less than state farm would charge for 1 homeowner policy not needing the fair plan.
You live in a forested area?
Yessir
I'm in the forest. My state farm went down this year surprisingly. Was paying about double for fair plan.
I wonder if it varies by area kinda like car insurance. Down here in San bernardino national forest state farm will not issue new policies for homes since middle of last year if I remember. But they'll keep current and up to date policy holders stay with them. The fair plan as you know is for any fire outside the home (the forest). My fair plan has gone up $10 in the 4 years I've had it. And I've had zero increase on my state farm. Couldn't tell you the exact numbers at the moment as they're in my mortgage payment. I'll check now that we're on the subject
It does vary now! I got something in the mail from state farm saying they are switching from an area type model, where all "forested areas" are the same, to a more specific gps based risk assessment model. That's when my state farm went down actually. Gave me some peace of mind since others in "forested areas" are getting huge increases or just dropped. I'm in the Mendocino coastal redwoods, so very low fire risk compared to most of California, which is pines and oaks. With the beetles killing the pines, and the sudden oak death, it's not an if, but a when all those forests completely burn. Makes perfect sense state farm wants out of there.