Hard-to-insure homes, handled.
Wildfire areas, older homes, high-value homes and homes other agents turn away. If your carrier sent a non-renewal, call us right away.
When the usual carriers say no
Wildfire-area homes
Brush and high fire-risk areas where many carriers have pulled back.
High-value homes
Homes that need higher limits and broader coverage than a standard policy offers.
Older homes
Older roofs, wiring or plumbing that some carriers won’t write.
Non-renewed homes
Got a non-renewal notice? We’ll shop the market before your policy ends.
FAIR Plan + DIC, explained
When the regular market won’t write a home, many owners combine two policies. Together they can work like a full homeowners policy, though terms vary by carrier.
What helps your quote
Carriers look closely at wildfire risk and home updates. Having these ready can open up more options and better terms.
My carrier sent a non-renewal. What now?
Call us as soon as you get the notice, so there’s time to shop before your policy ends. We’ll look for a new carrier, and if the regular market won’t write the home, we’ll walk you through FAIR Plan and DIC options.
What are the FAIR Plan and DIC?
The California FAIR Plan is the state’s insurer of last resort and mainly covers fire. A Difference in Conditions (DIC) policy from another carrier can add coverage the FAIR Plan leaves out, such as liability, water damage and theft.
What is a surplus lines carrier?
Surplus lines (E&S) carriers insure homes the standard market won’t. They aren’t backed by the California Insurance Guarantee Association, so we’ll explain the trade-offs before you choose.
How early should I start shopping?
As soon as the notice arrives. Hard-to-place homes can take longer to quote, so the more time we have, the more options we can find.
Tell us about your home
Send the basics and a licensed broker will follow up. Please don’t include Social Security, driver’s license or payment information.