High-value California homes
Just non-renewed? You probably still have options.
Coverage for $2M+ replacement-cost homes in California wildfire country — Marin, Sonoma, Napa, Tahoe, the LA hills, Santa Barbara, and beyond. Placed through the Stand Insurance program and other specialty markets that are still writing when admitted carriers have walked away.
Why this market is broken — and where I fit in
State Farm. Allstate. Farmers. AIG Private Client. The major homeowners markets have either non-renewed thousands of California homes in wildfire-exposed zip codes or stopped writing new business entirely. The FAIR Plan, the state's market of last resort, is overwhelmed.
If you own a $2M+ home in Marin, Sonoma, Napa, Tahoe, the LA hills, Ventura, or Santa Barbara, you've felt this. So has your real-estate agent, your wealth manager, and your CPA — because their clients are calling them looking for help.
Stand Insurance is one of the few carriers purpose-built for this risk profile. I'm an appointed broker with the Stand program, plus relationships with surplus-lines markets that round out the rest of the placement. That combination is the difference between "we can't help you" and "we can quote within the week."
Coverage we place
Replacement-cost dwelling
Full replacement-cost coverage on $2M+ homes, with extended-replacement endorsements where the market allows.
Wildfire coverage
Standalone wildfire coverage where admitted markets won't write — placed through Stand Insurance program and other specialty markets.
Other structures + landscaping
Pools, outbuildings, mature trees, hardscape — accurately scheduled, not lumped into a percentage.
Personal property + scheduled valuables
Art, jewelry, wine, watches, firearms — appraised and scheduled with worldwide coverage.
Personal liability + umbrella
$5M–$25M umbrella towers layered correctly above auto and homeowners.
Auto + collector vehicles
Daily drivers and collector cars, agreed-value forms where appropriate.
Counties & regions I write in
Not on this list? Reach out anyway — I write across California and may have markets that fit your specific zip.
For wealth managers & RIAs
Your clients are calling you about insurance. I can help.
If you serve HNW clients with California homes, you're already fielding non-renewal panic calls. I work alongside advisor teams — quietly, thoroughly, and with a tight feedback loop. Your client gets coverage; you get to be the advisor who knew who to call.
Refer a clientFrequently asked
My insurer just non-renewed me. How fast can you place coverage? +
For clean risks, I can usually quote within 5–10 business days, often faster on Stand-eligible properties. The clock starts when I have your dec page, recent inspection (if any), wildfire mitigation details, and basic underwriting info.
What is the Stand Insurance program? +
Stand is a specialty carrier purpose-built for high-value homes in wildfire-exposed areas of California. They write coverage that admitted markets have largely exited. I'm an appointed broker with the Stand program, which is why I can quote risks most brokers can't.
Will I have to use the FAIR Plan? +
Sometimes — but FAIR alone is not enough. If you do go FAIR, I pair it with a difference-in-conditions (DIC) wrap so you're not exposed on liability, theft, water, and other perils FAIR doesn't cover. For Stand-eligible properties, FAIR usually isn't needed.
I've done wildfire mitigation. Does it actually help? +
Yes — significantly, with the right markets. Defensible space, ember-resistant vents, fire-resistant roofing, and Class A WUI compliance can reduce premium and (more importantly) make you eligible with carriers that would otherwise decline. I'll review what you've done and translate it into the underwriting forms.
Do you work with my wealth manager / RIA / family office? +
Often. Most of my HNW homeowners come through advisors. I'm happy to coordinate with your team on coverage decisions, certificate management, and certificate-of-insurance requests for trust-owned property.
Got a non-renewal letter?
Send it to me along with your current dec page and a few details about your home. I'll respond within one business day with a path forward.
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