Program ยท Wildfire HO
When carriers walk away from wildfire country, I don't.
Wildfire risk has made California homeowners insurance hard to find and harder to understand. I place coverage for homes across the state, and getting a quote from me is simple. I need your address, your current carrier, and a few quick details about your home. No fifty-question application, no runaround. I shop your home across the specialty and surplus-lines markets built for wildfire country and handle everything from the first call to a bound policy.
What you get
You get me. Start to finish.
When you work with me, here's what's actually different.
Thoroughness
I read every detail and own the outcome.
I go through every detail of your coverage, every endorsement and exclusion, and I take full responsibility for the placement. Catching what's wrong before it costs you is my job, not yours.
Direct access
You reach me, not a call center.
When you need me, you get me. Not an 800 number, not a rotating service rep. The person who placed your coverage is the person who answers.
Commitment
In it for the long haul.
My clients stay with me for the long haul, and I stick with them. I'm not chasing the next transaction. I'm watching your renewals, your exposures, and the market year after year, because that's what a real relationship looks like.
Expert counsel
Advice you can act on.
Twenty-three years of placements means I can tell you what your coverage will actually do in a loss, where you're exposed, and what's worth fixing. Real counsel, not a sales script.
The California market
Why your homeowners coverage suddenly got hard.
Over the last several years, every major admitted homeowners carrier in California has pulled back from wildfire-exposed zip codes. State Farm, Allstate, Farmers, USAA, AIG, and others have either stopped writing new business or non-renewed thousands of existing policies in Marin, Sonoma, Napa, the Sierra foothills, the LA hills, and along the Central Coast.
The FAIR Plan (California's market of last resort) was never designed to be a primary homeowners market. It covers basic fire and a few other named perils. It doesn't cover liability, theft, water damage, or many of the things a standard HO policy does. And it's now insuring more California homes than ever before.
If you've gotten a non-renewal notice, been quoted a premium that doubled, or simply can't get a carrier to even look at your home, you're not alone. There are real options. The trick is knowing which carriers are still writing your specific zip, your specific construction class, your specific fire-hazard profile, and how to assemble a placement that actually covers what your home is worth.
The markets I access
I shop your home across the carriers built for wildfire country.
I'm a broker, so I'm not tied to any one company. I place California homeowners coverage through the specialty and surplus-lines markets that still write fire-exposed homes, including:
Different homes fit different markets. I find the ones that fit yours and bring you the best of what they offer.
Carrier access is offered through Panta and its wholesale partners. Availability and appetite vary by property.
How it works
From a few details to a real quote.
- 1.
Tell me about your home
Your address, your current carrier, and the year of any updates to the roof, HVAC, plumbing, and electrical. That's enough to start.
- 2.
I shop your markets
I package your home and submit it to the carriers that fit your specific risk. No generic checklist.
- 3.
We review real quotes together
You see the actual options, line by line, and I tell you straight what each one does and doesn't cover.
- 4.
I handle the placement
Binder issued, certificate to your lender the same day, and a renewal calendar so we're never racing the clock.
Learn first
Practical guides for California homeowners.
Written from inside the placement process. Accurate, no sales pitch.
For: California homeowners relying on the FAIR Plan
How the California FAIR Plan Is Holding Up on the LA Fire Claims
The California FAIR Plan took its biggest hit ever from the 2025 LA fires. How it's paying claims, the money keeping it afloat, and what it means for you.
Read →
For: CA homeowners with a non-renewal letter
What to do if your insurer dropped you
A 60-day playbook for California homeowners facing a non-renewal: what the letter means, what to gather, who to call, and the mistakes to avoid.
Read →
For: Homeowners weighing the trade-offs
FAIR Plan vs. private coverage
What the California FAIR Plan actually covers, how DIC wraps stack on top, and when each path makes practical sense for your home.
Read →
For: Homeowners checking their risk
Is my home in a fire zone?
How insurers actually classify wildfire risk, where to check your property, and what hardening earns you back in eligibility.
Read →
Ready for a real quote?
Whether you've been non-renewed, your premium jumped, or you're buying in fire country, send me a few details and I'll get to work. One business day to a path forward.