When other insurers walk away from complex risks, we step in—especially when that risk is someone’s home. Our underwriters consider each risk individually, and loss mitigation experts help homeowners prevent losses so they can continue to live in the places they love.
California wildfire homeowners policy tailored to the homeowner’s specific needs with coverage that includes Extended Replacement Cost and Ordinance or Law
Coverage not limited by special wildfire deductibles or sublimits
California wildfire experts with backgrounds in wildland firefighting with Cal-Fire and the U.S. Forest Service, averaging 18 years of experience give input on underwriting and help homeowners develop individual mitigation plans
AM Best rated ‘A+’ (Superior) coverage for high value homes and condos on the East Coast; including island, coast, beachfront, monoline secondary, vacant, short-term vacation, and more
Endorsements are available a la carte, which include but are not limited to: water backup, mold, ID fraud, cyber, equipment breakdown, and extended replacement cost
Coverages for complex risks such as primary private and excess flood; standalone private and corporate collections; and personal, umbrella and excess liability, including identity recovery coverage and cyber protection
Homeowners coverage along the South and Southeast coastlines as well as Hawaii, with particular experience in storm situations
Hurricane, Earthquake, and Private Flood insurance available in Hawaii
Private Flood Program available in eight states, offering lower rates than the National Flood Insurance Program, with no 30-day waiting period, more deductible options, and higher limits for dwelling and contents
Wind mitigation forms, if applicable
Documentation to support discounts
Offered through both Admitted and Excess & Surplus lines carriers, Applied Risk Services Inc, Licenses available on request or in California through AU Insurance Services, Inc: California License Number 0D78336.
We work hard for our agents and brokers. Call us for more information or to get a quote.
+1 (877)null 234-4450
+1 (518)null 788-8945
+1 (866)null 318-4113
Are you a homeowner looking for coverage? Have your preferred agent or broker call us. If you need help finding an agent, call us at +1 (877) 234-4450.