Home insurance
Home insurance for California fire-zone homes — including after a non-renewal.
Dropped by Farmers, Allstate or State Farm for wildfire risk? The California FAIR Plan only covers fire — no theft, no liability. We place real, full home coverage on fire-zone homes when other agencies say no.
Office hours Mon–Fri 9am–5pm PT (closed major holidays) — please call during hours. After hours, text (310) 299-5555 or apply online anytime and we’ll follow up. Contact & office.
Availability, limits and terms are reviewed for your situation. A request does not bind insurance.
Real coverage after a non-renewal
If Farmers, Allstate or State Farm dropped you because of wildfire risk, you have options beyond the FAIR Plan — which pays for fire only and leaves out theft, liability and water damage. We compare specialty and surplus-lines markets, including Applied Underwriters (auw.com), to place real, full home coverage on fire-zone homes, and we structure FAIR Plan + wrap-around (DIC) policies where a single carrier will not write the whole risk. When standard carriers say no, we look for the market that says yes.
What it covers
Full home coverage
Real homeowners coverage — dwelling, contents, personal liability and theft — not a fire-only policy.
Fire-zone & non-renewal placements
Specialty and surplus-lines markets, including Applied Underwriters, for homes in high-wildfire areas.
FAIR Plan + DIC wrap
Pairs the state FAIR Plan (fire-only) with a difference-in-conditions policy that adds theft, liability and water damage the FAIR Plan leaves out.
Renters
Your belongings and personal liability — a low-cost policy that can also lower your auto rate when bundled.
Landlord / dwelling fire
For rental properties and non-owner-occupied homes.
How much it costs
Homeowners premiums vary widely by location, rebuild cost and wildfire risk. Fire-zone placements and FAIR Plan + DIC structures cost more than a standard policy, but they are frequently the only path to real coverage after a non-renewal. As an independent broker we compare specialty and surplus-lines carriers to keep the total as competitive as possible. Call for a free, no-obligation quote on your specific home.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
Who needs it
Mortgage lenders require homeowners coverage for the life of the loan, and landlords increasingly require renters insurance from tenants. If your home is in a wildfire zone, or you received a non-renewal notice from Farmers, Allstate, State Farm or another carrier, you likely need a specialty market or a FAIR Plan + DIC solution rather than a standard policy — that is exactly what we place.
How it works
Send your property details
Address, construction, and any non-renewal notice you received.
We shop specialty markets
Including fire-zone and surplus-lines carriers such as Applied Underwriters.
Place the right policy
Full home coverage, a FAIR Plan + DIC wrap, or renters — whatever fits your home.
See how the pieces fit
Think beyond the building
Three topics to review with your agent. These are comparison prompts, not a promise of coverage.
- 01
The property
Review the home’s use, updates and the basis used to estimate rebuilding costs.
- 02
Your belongings
Discuss valuable items and how a proposed policy values damaged belongings.
- 03
The gaps to ask about
Ask the agent to identify exclusions, separate coverage needs and each deductible.
Before we talk
Make the first conversation useful.
You don’t need every detail ready. Start with what you know; an agent can help with the rest.
- The type of property and its location
- Current coverage or a nonrenewal notice
- Your timing and the questions you want to discuss
Please keep Social Security numbers, financial details and documents out of the public request form. An agent can explain the appropriate way to provide them if needed.
Common questions
State Farm / Allstate / Farmers dropped me for fire risk — can you help?
Yes. Non-renewals for wildfire risk are common in California right now. We place fire-zone homes through specialty and surplus-lines markets — including Applied Underwriters — and structure a FAIR Plan + wrap-around (DIC) policy when a single carrier will not write the whole risk.
Isn't the California FAIR Plan enough on its own?
The FAIR Plan is California's insurer of last resort, and it covers fire only — no theft, no personal liability, and limited water damage. For real, full protection we either place a specialty homeowners policy or wrap a difference-in-conditions (DIC) policy around the FAIR Plan to add what it leaves out.
Can I get real full home coverage in a fire zone, not just fire?
Often, yes. We work with specialty markets, including Applied Underwriters, that will write real, full home coverage on many fire-zone homes standard carriers decline. Coverage, eligibility and price depend on the home and the carrier, so send us the details and we'll tell you what's available.
What is a DIC wrap?
A DIC (difference-in-conditions) policy wraps around the FAIR Plan to add coverage the FAIR Plan leaves out — such as theft, personal liability and certain water damage — so your home is protected more like a standard homeowners policy.
Do you cover landlords and rental properties?
Yes — we write dwelling-fire and landlord policies for non-owner-occupied homes.
How much homeowners coverage do I need?
Enough to rebuild your home (replacement cost), not its market value. We help you set the right dwelling limit.
Can you bundle home and auto?
Yes — bundling often lowers both premiums.