First Cap Writing Calif Admitted Dwelling Fire Program as Alternative to FAIR Plan.

Sponsored Content By | January 7, 2021

San Diego, CA First Cap Property Insurance Solutions has announced a new admitted Dwelling Fire program for California residential risks. The program is designed to be an alternative to the California FAIR Plan. The new program is a resource for risks that have for various reasons, found their way into the California FAIR Plan due to non-renewals or standard carriers exiting the California market. Using cutting edge underwriting tools and software, First Cap Property Insurance Solutions is looking for agency partners to help in identifying solid risks and delivering essential coverage to insureds at a competitive cost.

“The current California homeowners’ market is in a state of crisis, with many carriers leaving or constricting their appetites, many insured’s have been forced into the market of last resort.” says Kevin Kilkenny, CEO at First Cap Property Insurance Solutions. “Our focus is on the delivery of unique product offerings to address the distress in the marketplace.”

Differences from the California FAIR Plan include:

  • Total limits offered up to $4 million
  • Offered as Primary or Excess coverage
  • Maintenance credit for older homes
  • $1,500 minimum premium

The target risks for the program include the following characteristics:

  • $400K to $2M dwelling replacement cost
  • Standard dwelling and construction type
  • Urban or suburban Located
  • Geographically spaced and spread throughout California

The new California-admitted Dwelling Fire program began on January 1, 2021 and is available now. Risks will be written on Seaview Insurance Company paper. Seaview Insurance Company recently merged with Aegis Security Insurance Company.

For more information on the program, visit

About First Cap Property Insurance Solutions: Is a full service Managing General Underwriter (MGU) that specializes in marketing, underwriting, and administering niche residential property insurance products. Our philosophy is rooted in a simple formula of pursuing and implementing niche programs administered by experienced and respected underwriters. We believe this formula generates maximum value for our carrier partners as well as our network of retail and wholesale insurance brokers.


Vice President of Property
Jeff Denning
Direct: 619.876.4126

Vice President of Marketing
Luie Rodriguez
Direct: 714.342.6856

Lela Rozell
Direct: 619.876.4150

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