Insure your home to its full value, even in a wildfire zone
Straightforward coverage from an A+ rated carrier
For California owner-occupied primary and second homes valued at $3 million and up
Backed by a California service-based team and services that help protect your home
Our partners can insure homes in any wildfire hazard zone
Send us your address and we'll come back within 1–2 business days
Is this you?
• Your home is underinsured because of wildfire risk
• The FAIR Plan is the only option you've been offered
• You were non-renewed and can't find suitable coverage
• You're buying a home and can't get it insured in time to close
What You Get
• A coverage indication within 1–2 business days: an initial statement of the coverage available for your home and its approximate cost. A starting point, not a binding offer.
• If interested, a wildfire risk inspection report for your property.
• If you insure, protection services to reduce your home's risk and keep it insurable.
How It Works
01.
Tell us your address and your situation. Two minutes.
02.
Our California team confirms your home qualifies and reviews coverage options.
03.
Within 1–2 business days you receive your coverage indication and wildfire risk report. If it works for you, we handle the rest.
Why homeowners work with us
• Coverage from a carrier rated A+ (Superior) by AM Best
• Support of an insurance group that has issued millions of policies that have protected homes in high-risk areas for four decades
• A team based in California. We love the beauty of the state and we live with the same risk you do.
Get the Straight Answers
"I don't have time for this."
One short form. We do the work and come back in 1–2 business days with something you can decide on.
"Insurance costs far more than it did a few years ago."
It does, for everyone. The question is whether your coverage would rebuild your home. We price for full value, from a highly rated carrier, at reasonable terms.
"I don't want to change my property."
Your risk report tells you upfront what, if anything, would be needed. No surprises after you've committed. [OPEN: Paul confirms]
Who this is for
Built for owners who live in their homes, primary or second, and want them properly insured & protected.
If the lowest premium is the only goal, we're probably not the right fit.
© 2026 — Insurance services provided by Pacific Coastal Insurance Agency LLC, dba Pacific Grande Insurance Agency, CA License #6006975. Program administered by Western States Wildfire Services Company | Privacy Policy
Thanks, we have your request!
A member of our California team will review your property and be in touch within 1–2 business days with your coverage indication and wildfire risk report. If we need anything else, we'll call or email you first.