On Post Or Pier

These are also called stilt construction homes. These homes are built with open foundations, ordinarily over water or on hillsides.

Heavy Brush Area

Due to the 2013 California Fire Code Regulations, these are homes that are now considered high risk, whether or not they are actually near trees and brush.

Vacation Homes

Vacation or seasonal homes, including short term rentals are all eligible with our carriers. There is no primary residence requirement.

Tenant Occupied

This includes properties, one to four units, that are rented or leased to others, and includes both long term and short term rentals.

Course of Construction

This is also called Builder’s Risk insurance and is designed to insure buildings or projects, (residential or commercial) while they are under construction.

Stand Alone Earthquake

California homeowners’ policies do not include earthquake coverage. Earthquake insurance is a available on a separate standalone policy for both residential and commercial property.

Dilapidated Homes

Homes without curb appeal, fixer-uppers, and generally any home in need of obvious repair fall into this category. These homes are typically vacant and/or uninhabitable.

Flood Insurance

Property insurance specifically excludes floods, so a separate policy must be written for flood insurance, and is required by mortgage companies if the property is in specific flood zones.

Homes With Prior Claims

Many admitted carriers no longer write or renew policies for properties that have had claims on them. We can write policies for homes with prior property or liability claims.