I'm Moving to California From Another State
Your out-of-state policies do not follow you here, so home and auto both get rewritten with a California-admitted carrier. Give us the new address and your move date and we quote it, then explain the parts that work differently here: wildfire scoring, earthquake coverage, and the FAIR Plan.
In insurance since 1981 Independent agency CA Lic. 0606906
What Is Actually Different Here?
- 01
Wildfire scoring
Parcels are scored by slope, distance to open space, roof class, and vents. Two houses on the same street can score differently.
- 02
Earthquake is separate
A homeowners policy excludes earthquake. Coverage is bought separately, often through the California Earthquake Authority, and works differently from other coverage.
- 03
The FAIR Plan exists
When no admitted carrier will write a home, the California FAIR Plan plus a companion policy is the fallback route. It covers less than a homeowners form.
- 04
Auto has to be rewritten
Your auto policy is written for the state you lived in. Registration and residency here mean a California policy.
How Do I Set Up Coverage Before I Arrive?
Start with the new address, and start before your closing or lease date.
Send us the address, the move date, and your current declarations pages for home and auto. The declarations tell us what you carry today, so what we quote is a real comparison rather than a different policy at a different price.
We quote California-admitted carriers at the new address, walk you through what the homeowners form excludes here, and price earthquake separately if you want to see it. If the address does not place in the admitted market, we show you the FAIR Plan route and what the companion policy adds back.
Keep your old policies in force until the new ones are bound. A gap between states is still a gap, and it follows you into the next application.
Why the Number Looks Different Here
Rebuild costs, labor, and materials in California are their own market, and the dwelling amount is based on rebuilding your specific house, not on what you paid for it.
The parcel matters. Slope, proximity to open space, roof class, and documented mitigation all feed the wildfire score that carriers rate on.
On auto, where you park the car, your commute, and your coverage limits do most of the work. Your driving history transfers with you.
Related Coverage and Reading
Straight answers, in their words.
“PLACEHOLDER_ verbatim Kevin Cox review pending. Quote as written, including the typo; trim with an ellipsis if needed.”
Moving to California — FAQ
Can I keep my out-of-state policies?
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Do I need earthquake coverage?
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How early should I call?
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Non-renewed, or having trouble finding coverage?
Send us the notice or tell us what's been declined. We read it with you, check the California-admitted carriers we represent for your address, and explain the FAIR Plan with a companion policy where that's the route — and what each does and does not cover.
Mon–Fri 8:30am–5:30pm PTClosed weekends
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Talk to a licensed agent.
Call or send a note and tell us what you need covered. A licensed agent gets back to you — not a queue — with which carriers can write it, what the policy excludes, and what happens next.
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Office
3910 Prospect Ave, Unit C, Yorba Linda, CA 92886
Last updated September 2026