About InsuranceMonster
We help the drivers and homeowners other agents send away.
InsuranceMonster is an independent insurance brokerage serving California. We came up in the non-standard insurance world - the corner of the market that handles risks the big-name carriers would rather decline. That is not a niche to us. It is what we do best.
Built for hard-to-place risks
When a standard carrier says no - because of an SR-22 requirement, a ticket, an accident, a DUI, a lapse in coverage, a foreign license, or a home in a wildfire zone - most agents are out of options. We are just getting started. We hold direct connections into leading non-standard auto carriers in California, so when others decline, we already know which markets will write the risk.
A real answer for wildfire-exposed homes
California's home insurance market has tightened, and many homeowners have been non-renewed or pushed onto the FAIR Plan alone. We offer a wildfire home product placed through surplus lines and can pair difference-in-conditions coverage with a FAIR Plan policy for broader protection. If your home keeps getting dropped, we want to hear from you.
Independent means 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 your situation. Getting a quote is free - we are paid by the carriers, not by you.
What we cover
- Non-standard and high-risk auto insurance, including SR-22 filings
- Homeowners, condo, renters, landlord, dwelling fire, and mobile home insurance
- Wildfire and hard-to-insure homes through surplus lines and FAIR Plan alternatives
- Auto and home bundles