California Auto Insurance
- SR-22 and high-risk drivers
- Tickets, accidents, or a DUI
- Lapse in coverage
- Foreign or new license
- Non-owner policies
Independent California broker - auto and home
Monster protection for the drivers and homes everyone else turned down.
SR-22, tickets, a lapse, a foreign license, a home in a wildfire zone. We shop the carriers that say yes, so you get real coverage - not another rejection.
Free and no obligation. Or call (800) 555-0100.
What we cover
One broker. Many carriers. Real coverage.
We place the policy that fits your situation instead of forcing you into one company's box.
California Home Insurance
- Homeowners and condo
- Renters and landlord
- Dwelling fire
- Mobile and manufactured homes
- Bundle with auto and save
Wildfire and Hard-to-Insure
- Non-renewed or dropped?
- Surplus lines markets
- FAIR Plan alternatives
- Difference-in-conditions
- Brush and high-fire zones
Monster protection
Coverage against life's monsters
Fire, wind, hail, theft, and the everyday mishaps. We help you get protected against the risks that matter most in California.
Why us
Why people who were turned down come to us
We come from the non-standard insurance world. The markets that decline hard risks are the markets we know best.
Carrier access others do not have
Direct connections into leading non-standard auto carriers in California. When the big-name companies decline you, we already know which markets will write the risk.
A real wildfire solution
A wildfire home product placed through surplus lines, plus difference-in-conditions coverage to pair with the FAIR Plan. Options for homes standard carriers keep dropping.
Independent, so we work for you
We are a broker, not a single insurance company. We shop your risk across many carriers and bring back the coverage and price that fit - at no cost to you.
40+
Non-standard carriers we can shop
$0
Cost to get a quote
CA
Licensed statewide, auto and home
Simple
How it works
Tell us about you
Share a few details on your driver, vehicle, or home. Two minutes, no obligation.
We shop the right markets
We match your situation to the carriers most likely to say yes, including non-standard and surplus lines markets.
You pick and bind
We walk you through your options in plain English and get you covered. No jargon, no runaround.
Statewide
Coverage across all of California
We write auto and home insurance in all 58 counties and every major city - and we go deep on the risks that define each region.
By location
Find localized coverage and risk notes for your county or city, from wildfire country to the coast.
All California locations →Coverage explained
Plain-English pages on the policies we place, including the hard-to-insure ones.
Browse all coverage →Guides and answers
Costs, requirements, and what to do when you are non-renewed or need an SR-22.
Read the guides →
Get started
Get your free quote
Turned down elsewhere? That is exactly who we help. Tell us a little about what you need and a licensed California agent will reach out with real options.
Prefer to talk? Call (800) 555-0100.
Answers
Frequently asked questions
Does InsuranceMonster help drivers who were denied or non-renewed?
Yes. We specialize in non-standard and hard-to-place auto insurance in California, including drivers who need an SR-22, have tickets or accidents, a lapse in coverage, a DUI, or a foreign license. We shop multiple carriers to find a policy you can actually buy.
Can you insure a California home in a high wildfire risk area?
Often, yes. If your home was non-renewed or you were quoted only the California FAIR Plan, we can access surplus lines markets and difference-in-conditions coverage that many standard agents cannot, giving you broader protection than a bare FAIR Plan policy alone.
How much does it cost to use InsuranceMonster?
Nothing to get a quote. As a broker we are paid by the insurance carriers, so our shopping service is free to you. You pay only the policy premium.
What areas do you cover?
InsuranceMonster writes auto and home insurance across California.