On the California FAIR Plan? You have alternatives. We find them.
We're an independent California agency that specializes in homes standard carriers won't write — FAIR Plan replacements, wildfire-exposed properties, non-renewals and mortgage closings on a deadline. We shop multiple carriers, including markets you can't reach on your own, and a real local agent answers the phone.
FAIR Plan rates are going up 29% on average at renewals after October 15, 2026.
The state-approved increase hits wildfire-exposed homes hardest — many will see 30–50% or more. The FAIR Plan was never meant to be permanent: we re-shop FAIR Plan homes across multiple carriers that still write California property and show you what a full homeowners policy costs instead. Non-renewal notice? Same process, same day. Read the FAIR Plan + DIC guide →
One local agency for everything you need to protect
Home Insurance — All Types of Homes
Primary homes, condos, rentals, landlord and manufactured homes — including properties in wildfire-exposed areas other carriers walk away from.
Auto Insurance
The right coverage for every driver and vehicle, with every discount you qualify for uncovered.
Commercial Auto
For small business, deliveries, service, realtors, sales, and more.
FAIR Plan Help & Alternatives
We review your FAIR Plan policy, shop alternatives, and wrap the gaps so you're actually covered.
Recreational Vehicles & Toys
RVs, boats, motorcycles, ATVs, jet skis — if it's fun to drive or float, we can insure it.
Life Insurance
Simple, affordable protection so the people who depend on you are taken care of.
Small Business & Workers' Comp
Liability, property, commercial auto, and workers' compensation for California small businesses — without the runaround.
Also: flood, umbrella, classic cars, and more — if you need it covered, just ask.
Stop calling all over town for quotes
Tell us the basics
30 seconds online, or one phone call. That's all we need to get started.
We shop the market
As an independent agency we compare multiple top-rated carriers — impartially — to find your best fit.
You're covered
Pick the option you like. We handle the paperwork, the switch, and every question after.
Want an apples-to-apples comparison? Share your current policy in seconds.
Skip the paperwork hunt. Use our secure Canopy Connect link to share your current insurance info with us — it takes about a minute, and we'll compare your exact coverage against the rest of the market.
Bank-level security. Read-only access. We never see your password.
Terry Bagwell
A California native, born and raised in Northern California, Terry brings more than 20 years of insurance industry experience to the individuals, families, and businesses he serves. With a degree in Computer Science and nearly 15 years in the technology sector — including more than 7 years working internationally — he transitioned into insurance and built a successful career as a captive agency owner before moving to the independent side, giving his clients a broader range of carriers and coverage solutions.
Terry specializes in personal and small-business insurance: home, auto, umbrella, rental property, commercial, workers' compensation, and of course life insurance.
"My philosophy is straightforward: work for the benefit of the insured. Rather than simply selling a policy, I take the time to understand each client's needs, explain their options, and develop an insurance program that provides the right protection at a competitive value. Above all, I'm committed to knowledgeable advice, personal service, and long-term relationships built on trust."
Common questions
The California FAIR Plan is raising rates — do I have to stay on it?
No. The FAIR Plan is meant to be temporary, and a 29% average rate increase was approved for renewals on or after October 15, 2026. Every FAIR Plan policyholder should have their home re-shopped. We run your property through multiple admitted and non-admitted carriers that write California homes — including wildfire-exposed ones — and show you what a full HO-3 policy would cost instead.
What's wrong with just staying on the CA FAIR Plan?
The FAIR Plan only covers fire and a few other perils — no liability, no theft, no water damage. Many homeowners qualify for better full coverage, or need a companion (DIC) policy to fill the gaps. We check both, free.
Does it cost anything to work with you?
No. Our service is free — we're paid by the carrier you choose, and because we're independent, we can recommend whichever carrier is genuinely best for you.
I got a non-renewal notice. How fast can you help?
Fast — send us the notice and we'll start shopping the same day. Most quotes come back within one business day.
Can I switch if I'm mid-policy?
Usually yes. If switching saves you money, we handle the cancellation and make sure there's no gap in coverage.
No more sitting on the fence
Let us shop the market and find your best rate. It takes 30 seconds to start — and it costs you nothing.