California home insurance, including the homes carriers keep dropping
Homeowners, condo, renters, landlord, and mobile home coverage - plus real answers for homes in wildfire zones and homes that were non-renewed.
Coverage we place
- Homeowners (HO-3 and similar) for single-family homes
- Condo and townhome (HO-6) unit-owner coverage
- Renters (HO-4) for tenants
- Landlord and rental-dwelling policies
- Dwelling fire for non-owner-occupied and seasonal homes
- Mobile and manufactured home coverage
- Wildfire and FAIR Plan wrap solutions for hard-to-insure homes
The California home insurance market, plainly
California's home insurance market has tightened sharply. After years of major wildfire losses, several large carriers paused new business or non-renewed policies in higher-risk areas. The result is that many homeowners - even with no claims - have been dropped or can only find the FAIR Plan. An independent broker helps because we are not tied to one company's appetite; when one market retreats, we know which others are still writing.
What a standard homeowners policy covers
The core parts of a policy
- Dwelling - the structure itself, rebuilt to current cost
- Other structures - detached garages, fences, sheds
- Personal property - your belongings, often at replacement cost
- Loss of use - living expenses if your home is uninhabitable after a covered loss
- Personal liability - if someone is injured or you damage others' property
- Medical payments - minor injuries to guests regardless of fault
Two numbers matter most in California: your dwelling limit (is it enough to actually rebuild at today's construction costs?) and your deductibles, including any separate wildfire or wind deductible.
If your home was non-renewed or is in a fire zone
You are not out of options. We offer a wildfire home product placed through surplus lines and can pair difference-in-conditions coverage with a California FAIR Plan policy to fill the gaps a bare FAIR Plan leaves. Read our wildfire and FAIR Plan pages for how these fit together, then get a quote and we will map your situation to the right markets.
Bundle home and auto
If you also drive, bundling home and auto can lower both premiums and simplify billing. We can quote them together - including non-standard auto - so you get one clear picture.
Frequently asked questions
My insurer non-renewed my home. Can you help?
Yes. Non-renewed homes are one of our specialties. We shop admitted carriers still writing your area, and when needed we use surplus lines and FAIR Plan wrap solutions to get you broader coverage than a bare FAIR Plan policy.
Do you cover condos, renters, and landlords?
Yes. We place condo (HO-6), renters (HO-4), landlord, and dwelling-fire policies in addition to standard homeowners and mobile/manufactured home coverage.
What is difference-in-conditions coverage?
It is a wrap policy that sits alongside a FAIR Plan policy to add protections the FAIR Plan does not include, such as liability, water damage, and theft, giving you closer to full homeowners coverage.
Is getting a quote really free?
Yes. We are a broker paid by carriers, so quoting and shopping cost you nothing. You pay only the policy premium if you choose to buy.
Get your free quote
Turned down elsewhere? That is exactly who we help. Tell us what you need and a licensed California agent will reach out with real options.
Prefer to talk? Call (800) 555-0100.