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High-Risk Home Insurance in California

Facing a non-renewal or having trouble finding home insurance? We help California homeowners review available coverage, including admitted and surplus lines options and FAIR Plan companion coverage when appropriate.

We can help if your home is

Most of the homes we place fall into one of these groups:

  • In a wildfire or brush zone

  • Non-renewed or cancelled by your carrier

  • On the California FAIR Plan and needs a wrap-around (DIC) policy

  • Older, with an unupdated roof, wiring, or plumbing

  • Turned down because of prior claims

Availability depends on the property, location, condition and insurance history. We review available markets and explain the coverage and limitations of each option, including the FAIR Plan and a separate Difference in Conditions policy when appropriate.

What's covered

Depending on the policy selected, options may include dwelling, other structures, personal property, loss of use and personal liability coverage. A FAIR Plan policy has different coverage from a standard homeowners policy. A separate Difference in Conditions (DIC) policy may address additional risks such as theft, liability or certain water damage. We review both policies together, including limits, deductibles and exclusions; no policy covers every loss.

How to review your options

Use the form below and choose a call or text. Have your current declarations page or non-renewal notice ready, along with property details. We review market availability and any inspection or underwriting requirements, then explain your options. Coverage begins only after binding and the effective date are confirmed in writing; we can then provide proof to your lender.

Licensed California broker - License #0L87147. Talk to a licensed broker who knows your situation at (858) 299-1300.

Request a call or text

Tell us whether you prefer a call or text, and we will help you review your options.

Call

(858) 299-1300

Email

Info@allstarutd.com

Text

(858) 299-1300

What's your situation?
Non-renewed or cancelled
On the FAIR Plan
Shopping for a better rate
Other
How should we reach you?
Text
Call
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