Homeowners, renters, and high-risk/fire-zone properties after a non-renewal. We find coverage when standard carriers say no.
If your carrier dropped you because of wildfire risk, you have options beyond the FAIR Plan. We compare specialty and surplus-lines carriers, structure FAIR Plan + wrap-around (DIC) policies where needed, and get renters covered for as little as ~$7/month. We place the hard-to-cover homes standard carriers decline.
Your dwelling, contents and liability for a standard owner-occupied home.
Your belongings and liability — often ~$7/month and can lower your auto rate.
Specialty markets for homes in high-wildfire areas.
Pairs the state FAIR Plan with a difference-in-conditions policy for fuller coverage.
For rental properties and non-owner-occupied homes.
Renters insurance often runs about $7–$20/month. Homeowners premiums vary widely by location, rebuild cost and wildfire risk; fire-zone and FAIR Plan + DIC structures cost more than standard policies but are frequently the only path to coverage after a non-renewal. We compare specialty and surplus-lines carriers to keep the total as low as possible.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
Mortgage lenders require homeowners coverage for the life of the loan. Landlords increasingly require renters insurance from tenants. If your home is in a wildfire zone or you received a non-renewal notice, you likely need a specialty or FAIR Plan + DIC solution rather than a standard policy.
Address, construction, and any non-renewal notice.
Including fire-zone and surplus-lines markets.
Homeowners, renters, or FAIR Plan + DIC wrap.
Yes. We place fire-zone homes and structure FAIR Plan + wrap-around (DIC) coverage when standard carriers decline.
Often around $7–$20/month, and it can also lower your auto rate when bundled.
The FAIR Plan is California’s insurer of last resort for fire. A DIC (difference-in-conditions) policy wraps around it to add coverage the FAIR Plan leaves out.
Yes — we write dwelling-fire and landlord policies for non-owner-occupied homes.
Enough to rebuild your home (replacement cost), not its market value. We help you set the right dwelling limit.
Yes — bundling usually lowers both premiums.
Russian-speaking · English · Español. No pressure, no spam — just your best rate.