Homeowners & High-Risk Homes
Homeowners policies may combine dwelling, belongings and liability coverage. Wildfire exposure or unusual property features may require a closer underwriting review.
Explore high-risk and FAIR Plan companion options01 Home & Property
PROTECTION FOR THE PLACE YOU CALL HOME.
From traditional homes to unique and hard-to-place properties, explore available coverage options designed around your situation.
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Homeowners
Coverage options for your home, belongings, and personal liability.
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High-Risk / Wildfire Homes
A place to start when your property is harder to insure or your coverage is changing.
Coverage considerations
Facing a nonrenewal or wildfire exposure? Explore available options for your property and state.
03
High-Value Homes
Ask about options for higher-value homes, custom features, and unique property needs.
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Condo / Townhome
Help finding coverage for your unit, personal belongings, and liability.
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Renters
Protection for the things you own, wherever you rent.
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Manufactured / Mobile Homes
Discuss eligible manufactured or mobile homes and the coverage available for their location and use.
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Vacant Homes
Ask about options for homes that are unoccupied or between uses. Vacancy can change coverage requirements.
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Seasonal / Secondary Homes
Explore options for a second home or seasonal residence based on occupancy and how it is used.
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Dwelling Fire
Discuss dwelling-focused coverage options and the property types, risks, and uses that may qualify.
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DIC / FAIR Plan Companion
Ask about available companion coverage for eligible California FAIR Plan properties.
Coverage considerations
California-specific requirements apply. Companion and FAIR Plan policies have separate terms and underwriting.
Property use, location, wildfire exposure, and underwriting affect coverage options. California wildfire and FAIR Plan companion coverage have state-specific requirements.
