Uncompromising Coverage.
Unwavering Peace of Mind.
California High Value Home Insurance.

California experiences some of the most destructive wildfires in U.S. history: the Camp Fire, Dixie Fire, and Thomas Fire collectively destroyed tens of thousands of structures. Over 2 million California homes sit within WUI zones. As standard carriers exit the state, many luxury homeowners are left navigating the California FAIR Plan’s significant coverage gaps. We access admitted and surplus lines markets that remain active and structure policies with wildfire mitigation credits built in.

The 1994 Northridge earthquake caused $20 billion in insured losses in today’s dollars, and the USGS estimates a 60% probability of a magnitude 6.7+ earthquake in the Bay Area within 30 years. Standard homeowners insurance does not cover earthquake damage. We coordinate California Earthquake Authority (CEA) policies and private earthquake endorsements, including loss of use, seismic retrofit discounts, and contents coverage, for properties in liquefaction zones and hillside locations.

Bluff-top estates in Malibu, Laguna Beach, and Del Mar face accelerating coastal erosion driven by sea-level rise and storm surge. FEMA flood zone designations affect coastal California properties, and standard policies exclude flood damage entirely. We coordinate FEMA NFIP flood policies and private flood coverage that protects your oceanfront estate against both tidal intrusion and storm-driven wave action.

The January 2018 Montecito debris flow, triggered by heavy rain following the Thomas Fire, destroyed 130 homes and caused an estimated $400 million in damages. Hillside estates throughout Ventura County, the Santa Monica Mountains, and the Santa Cruz Mountains face similar post-wildfire debris flow exposure. Standard policies frequently exclude mudslide and earth movement. We build coverage structures that address these interconnected perils with no hidden gaps.

California luxury home rebuild costs range from $800 to $1,200 per square foot, among the highest in the nation, driven by labor shortages, strict building codes, and supply chain constraints. Many homeowners discover their dwelling coverage is 30–40% below actual replacement cost only after a total loss. We conduct replacement cost appraisals and structure extended replacement cost endorsements into every policy.

Standard HO-3 policies pay claims on actual cash value, meaning depreciation reduces your settlement. High value home insurance uses agreed value or guaranteed replacement cost frameworks, eliminating depreciation on your dwelling. It also includes scheduled personal property coverage for fine art, jewelry, and collectibles; wildfire and earthquake endorsements not found in standard policies; and access to carriers like Chubb and AIG who specialize in luxury property. Explore our full coverage options here.

Wildfire is typically covered under the dwelling section of a high-value policy, but many admitted carriers have non-renewed in WUI zones, forcing homeowners onto the California FAIR Plan, which has significant coverage gaps. We access surplus lines and specialty wildfire markets that fill those gaps. Earthquake damage requires a separate policy or endorsement, as standard homeowners insurance does not cover it. We coordinate CEA policies and private earthquake endorsements for luxury properties. See our dwelling coverage page for more.

Premium is determined by your property’s location (WUI fire risk score, seismic zone, flood designation), dwelling replacement cost, the scope of valuables scheduled, liability and umbrella limits, and the carrier market used. California wildfire surcharges have increased significantly since 2017 for properties in high-risk zones. Mitigation measures such as defensible space, ember-resistant construction, and fire-resistant roofing can meaningfully reduce premiums. The most accurate way to understand your cost is a complimentary policy review. Request your quote here.