Protection & Peace of Mind for California Homeowners

If you own a single-family residence in a high-risk wildfire area, our residential specialists deliver comprehensive homeowners and Difference in Conditions (DIC) coverage backed by financially secure carriers and sophisticated reinsurance.

01.

HOMEOWNERS POLICY

Our open-peril Homeowners 3 policy protects your home, attached structures, and personal property from perils such as fire, lightning, wind, and theft—plus temporary living expenses, personal liability, and medical payments.

02.

HO3 – DIC (DIFFERENCE IN CONDITIONS)

An admitted-lines HO3 policy with a Difference in Conditions endorsement designed to wrap around the California FAIR Plan, bridging coverage gaps for water damage, theft, liability, and falling objects.

03.

CONDOMINIUM UNIT OWNERS

Specifically designed for condo owners, covering your personal contents, permanently attached interior building items, loss of use if your unit becomes unlivable, and personal liability.

04.

HO6 – DIC (CONDO FAIR PLAN WRAP)

Built for condominium owners in high-risk zones, this policy supplements the California FAIR Plan or an equivalent fire policy to provide comprehensive protection similar to a full HO6 policy.

05.

WILDFIRE & BRUSH-ZONE PROTECTION

Dedicated residential fire and wildfire solutions for primary and secondary homes in high-brush corridors, helping homeowners maintain continuous coverage when standard carriers withdraw.

06.

OPTIONAL HOME & VALUABLES COVERAGES

Customize your residential policy with optional endorsements for scheduled jewelry and valuables, rental condominium protection, extended replacement cost, and increased personal liability.

01.

HOME & RISK EVALUATION

We review your home's location, vegetation proximity, mitigation features, and current declarations page to determine whether an HO3, HO6, or DIC wrap policy best fits your property.

02.

TAILORED COVERAGE DESIGN

We walk you through covered perils, dwelling limits, loss-of-use provisions, and optional endorsements so you have complete clarity with zero surprises.

03.

DEDICATED CLAIMS & RENEWAL SUPPORT

From issuing fast proof of insurance for your mortgage lender to assisting with renewals and responsive claims support, our team stands by you year-round.

01.

WHAT IS A DIC POLICY?

A Difference in Conditions (DIC) policy pairs with a California FAIR Plan fire policy to cover essential perils the FAIR Plan excludes—like water damage, theft, and personal liability.

02.

NON-RENEWED BY YOUR INSURER?

Reach out as soon as you receive a non-renewal notice. Early action prevents coverage lapses and avoids expensive lender-placed insurance on your mortgage.

03.

WHAT DOES LOSS OF USE COVER?

If your home or condo is damaged by a covered loss and cannot be lived in, Loss of Use covers temporary living provisions while your residence is reasonably repaired.