You get access to carriers still writing policies in California when State Farm, Allstate, and Farmers have capped new business. That’s the difference between scrambling for coverage and having real options.
We shop multiple insurance companies at once. You’re not stuck with whatever rate one carrier offers—you see what’s available, compare the numbers, and decide what works for your budget and your home.
When wildfire risk is pricing people out or getting them dropped entirely, you need someone who knows which carriers are still competitive and what discounts actually move the needle. We do this every day in Republic Homes. You get the quote, the coverage details, and straight answers about what you’re buying.
We operate as an independent insurance broker in Republic Homes, which means we’re not tied to one carrier. When seven of California’s largest home insurance providers stopped or limited new policies, we didn’t lose our ability to help you—we expanded it.
We’ve been navigating California’s regulatory changes, wildfire underwriting, and nonrenewal chaos while other agencies watched their options disappear. Our job is finding homeowners insurance when the market says no.
You’re dealing with a statewide insurance crisis where over 100,000 homeowners lost coverage between 2019 and 2024. We’re dealing with it too, which is why we know which carriers are still writing, what they’re asking for, and how to position your home to qualify.
You reach out and tell us about your home—location, age, roof condition, square footage, any upgrades. We ask about prior claims and current coverage if you have it. This takes about 10 minutes.
We run your information through multiple insurance companies that are actively writing in Republic Homes. You’re not waiting days—most quotes come back within 24 hours. We compare what each carrier offers: premium, deductible, wildfire coverage, liability limits.
Then we walk through your options. If one carrier is cheaper but excludes something important, we tell you. If another costs more but gives you better claims handling or covers risks others won’t, you need to know that before you buy. You pick the policy that makes sense, we bind the coverage, and you’re done.
Ready to get started?
Your homeowners insurance typically covers your dwelling, personal property, liability, and additional living expenses if you can’t stay in your home after a covered loss. In Republic Homes, wildfire coverage is the sticking point—some carriers exclude it, others price it high, and a few still offer it competitively if your home meets their requirements.
California’s insurance market changed when carriers started using wildfire models that price homes individually instead of by ZIP code. If your home has defensible space, a newer roof, or fire-resistant materials, you might qualify for better rates than your neighbor. We know which insurance companies reward those upgrades and which ones don’t care.
Renters insurance works differently—it covers your belongings and liability but not the structure. If you’re renting in Republic Homes, you still need protection for your stuff and coverage if someone gets hurt in your unit. It’s cheaper than homeowners insurance, and most landlords require it anyway.
You’ll also see bundling discounts if you combine home and auto. Farmers recently increased their bundle discount to 22 percent in California, which can offset some of the rate increases hitting the market. We check those numbers for you so you know if bundling actually saves money or just sounds good.
California’s insurance regulations didn’t let carriers raise rates fast enough to keep up with wildfire losses. When companies can’t charge what they need to cover claims, they stop writing new business or pull out entirely.
State Farm nonrenewed 30,000 policies starting in July 2024. Allstate, Farmers, USAA, Travelers, Nationwide, and Chubb all paused or limited new homeowners insurance in California. They’re not coming back until the state approves rate increases that reflect actual risk.
The good news is California’s Department of Insurance recently rolled out a Sustainable Insurance Strategy that’s bringing some carriers back. Farmers removed their cap on new policies and expects to cover 300,000 new customers in high-risk areas by early 2026. The market isn’t fixed, but it’s stabilizing. You just need an insurance broker who knows which carriers are writing and which ones are still sitting out.
You end up in the California FAIR Plan, which is the state’s insurer of last resort. It covers your dwelling for fire damage, but it doesn’t cover liability, theft, or water damage. You’ll need a separate policy to fill those gaps, which means you’re paying for two policies instead of one.
FAIR Plan premiums aren’t cheap either. You’re not saving money—you’re just getting bare-bones coverage because no one else will take you. And if you file a claim, you’re dealing with a state-run program that’s already underwater from wildfire losses.
Before you go to the FAIR Plan, let us shop the market. We work with carriers that are still writing in Republic Homes, and we know what they’re looking for. Sometimes it’s a roof upgrade, sometimes it’s clearing brush, sometimes it’s just finding the one company that underwrites your area differently. The FAIR Plan should be your last option, not your first call.
It depends on your home’s age, size, roof condition, and wildfire risk. Average premiums in California rose 8.7 percent above inflation between 2018 and 2022, and that trend hasn’t slowed down. If you’re in a high-risk wildfire zone, you’re paying more than someone in a lower-risk area.
A 2,000-square-foot home with a newer roof and defensible space might run $1,500 to $2,500 annually. An older home with a shake roof near wildfire zones could hit $4,000 or more—if you can even find coverage. Those numbers shift depending on which insurance companies are quoting and what discounts apply.
We don’t give you one number and call it done. We show you what multiple carriers are charging, what each policy covers, and where you can cut costs without cutting protection. Sometimes paying $200 more annually gets you $500,000 in extra liability coverage. Sometimes it doesn’t. You need to see the breakdown before you decide.
An insurance agent works for one company and sells that company’s policies. If that carrier stops writing in California or doesn’t offer competitive rates, the agent can’t help you—they’re locked into one option.
An insurance broker works for you and has access to multiple insurance companies. When State Farm stops writing new policies, we move to the next carrier. When Allstate’s rates spike, we find you a better number somewhere else. You’re not stuck with one company’s underwriting rules or pricing.
In California’s current market, that difference matters. Seven major carriers either paused or capped new homeowners insurance policies. If your agent only represents one of those companies, you’re out of options. We represent several, so when one door closes, we’re already knocking on the next one. You get more quotes, more coverage options, and better odds of avoiding the FAIR Plan.
Most quotes come back within 24 hours once we have your information. We need details about your home—address, square footage, year built, roof age, construction type, prior claims. If you have that ready, we can run it through multiple carriers the same day.
Some homes take longer if they’re in high-risk wildfire areas or if carriers need additional underwriting information. They might ask for photos of your roof, proof of defensible space, or an inspection before they’ll quote. That can add a few days, but we’ll tell you upfront if your home needs extra steps.
You’re not waiting weeks. If a carrier is dragging their feet or asking for information that doesn’t make sense, we move to the next one. The goal is getting you a solid home insurance quote fast so you can make a decision and lock in coverage before rates change again.
Yes, but it depends on your home’s wildfire risk score and which carriers we’re quoting. Some insurance companies still offer full wildfire coverage if your home meets their requirements—usually a newer roof, defensible space, and fire-resistant materials.
Other carriers exclude wildfire entirely or charge premiums so high it’s not realistic. If your home is in a very high-risk zone, you might need a combination of a standard policy plus a separate wildfire endorsement or excess coverage. It’s not ideal, but it keeps you out of the FAIR Plan.
We check every option available in Republic Homes. If wildfire coverage is possible in the private market, we’ll find it. If it’s not, we’ll tell you that too and explain what your alternatives look like. You need to know what’s actually available, not what sounds good in a brochure.
Local Resources
Other Services we provide in Republic Homes
