The FAIR Plan
The question isn't why your property entered the FAIR Plan. The question is whether it still needs to be there.
The California Insurance Market Is Beginning to Change. Your options may have changed with it. Your property may have been difficult to insure when it entered the FAIR Plan. But California's insurance market is changing. New capacity, evolving underwriting appetites and increased competition are creating private-market opportunities for some properties that had few alternatives only a short time ago. The FAIR Plan may have been the right solution then. It may not be the best solution now. There is no cost for Helm6 to review your current insurance program and test today's market for available alternatives. DON'T AUTOMATICALLY RENEW YESTERDAY'S SOLUTION.
THE CHALLENGE
California Property Insurance Is No Longer a Routine Purchase.
For many California property owners, obtaining the right insurance coverage at an affordable price has become increasingly complicated.
Carrier withdrawals, non-renewals, changing underwriting standards, wildfire exposure, rising reconstruction costs and coverage restrictions have fundamentally changed the market.
New insurers and specialty markets are entering California. Some established insurers are reconsidering underwriting appetites. And properties that were difficult to insure only a few years ago may have options today that did not previously exist.
Helm6 helps property owners understand those changes—and determine which insurance markets and coverage strategies may now be appropriate for their property.
HOW HELM6 HELPS
Your Property
May Deserve a Second Look.
Even a well-designed insurance program should be reviewed periodically.
Property values change. Reconstruction costs change. Insurance markets evolve. Carrier appetites shift. New coverage alternatives emerge. And the insurance solution that was appropriate several years ago may not be the best solution today.
A Helm6 review may confirm that your existing program remains appropriate. Or it may identify opportunities to broaden coverage, improve insurability, access additional markets, or better align your insurance with the property you own today.
Our objective is not simply to find another insurance policy.
It is to help you understand your options and make an informed decision about protecting your property.
THE CHALLENGE
HOW HELM6 HELPS
California Property Insurance Is No Longer a Routine Purchase.
HOW HELM6 HELPS
Your Property May Deserve a Second Look.
It is to help you understand your options and make an informed decision about protecting your property.
This is what your Realtor and you see - a beautifully landscaped distinguished residence you are proud to call your family home.
This is what an insurance underwriter sees as your property is being reviewed for coverage and price.
Request a Consultation
Let's review your
policy before your next renewal.
Tell us about your property and current coverage. A Helm6 advisor will review your exposures and follow up — no obligation. No cost.
- Independent review of your existing policies: policy language, endorsements, policy limits, limitations and exclusions.
- Focus on habitation, property protection, liability & long-term insurability
- Built for California homeowners & investors
Submitting an inquiry or requesting information through this website does not bind, amend, renew, or cancel insurance coverage. Coverage is effective only when properly authorized and bound, with confirmation from the insurer or an authorized insurance representative.