We have the knowledge, experience, and confidence to insure homes in high hazard areas, including the wildland urban interface of California and the Atlantic and Gulf coasts.

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.

A Broad Range of Solutions

• 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

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.