Our Products

Four products. One complete answer to the California market.

Each Advantage Now product solves a different problem agents face every day. Together they cover nearly every California homeowner who walks in the door — from FAIR Plan clients to homes up to $2 million in Coverage A.

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The complete lineup

Purpose-built homeowners products for California risks — each with its own appetite, positioning and ideal client.

FAIR Plan Replacement

Advantage Foundations

Real coverage for homeowners in the California FAIR Plan.

Who it's for

California homeowners currently on the FAIR Plan whose agents want to move them to real coverage at competitive pricing.

What's different

Replaces the FAIR Plan

Broader, competitive coverage

DP-3 owner-occupied option

Higher Fire-Line Risks

Advantage Fire Select

Flexibility on fire-line scores other carriers won't touch.

Who it's for

Agents with California properties in higher fire-risk zones — where most quoting systems cap out and refuse to write.

What's different

Up to Fireline 6 (Up to Fireline 8 anticipated in January 2027)

Turns declines into placements

Mid-Market Homes

Advantage Select

The reliable workhorse for small to medium sized California homes.

Who it's for

Standard, mid-market California homeowners — homes big carriers are getting picky about.

What's different

Mid-market California homes

Fills carrier gaps

Seasonal/secondary homes available

Premium Properties

Advantage High Value

Coverage A up to $2 million for premium California homes.

Who it's for

Premium California homes — clients with real assets to protect who deserve top-tier coverage.

What's different

Premium California homes

$3.5M TIV ($10M TIV coming soon)

Ready to write California home insurance?

Appointed agents get full underwriting guidelines, eligibility criteria and quoting for all four products in the Advantage Now agent portal.

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