
One broker, 90+ insurance companies and specialty markets.
These are the insurance companies and specialty markets I can quote for California homes, rentals, vehicles, businesses and families. You tell me the risk once, and I shop it across the ones that fit.
Homeowners and condos
Standard and specialty homeowners and condo policies, including homes admitted carriers have declined. About this coverage
- Aegis
- American Modern
- Annex Risk
- Arrowhead
- Bamboo
- Cabrillo Coastal
- Delos
- Foremost
- Heritage Insurance
- KW Specialty
- LightSpeed
- MSI
- National General
- Steadily
- Swyfft
High-value homes
Homes that need higher limits, broader coverage and underwriters who expect custom construction. About this coverage
- Delos
- MSI
FAIR Plan difference in conditions
DIC policies that sit alongside a California FAIR Plan policy to cover what it leaves out. About this coverage
- Aegis
- Bamboo
- KW Specialty
- Steadily
Landlord and dwelling fire
Rental homes, condos and small multifamily, including LLC-owned property. About this coverage
- Aegis
- American Modern
- Arrowhead
- Foremost
- King
- LightSpeed
- SES Risk Solutions
- Steadily
- Vacant Express
Earthquake
Stand-alone earthquake policies for homes, condos and rentals. About this coverage
- Arrowhead
- Foremost
- GeoVera
- ICAT
- Neptune
- Palomar
Flood
NFIP and private flood, plus excess flood above NFIP limits. About this coverage
- Annex Risk
- Neptune
- NormanMax
- Palomar
- Sterling Surplus Underwriters
- Swyfft
- Titan Flood
- Wright Flood
Vacant property and builder’s risk
Empty homes, renovations, fix-and-flips and ground-up construction. About this coverage
- Alchemy
- Blitz
- Green Shield Risk
- Insur-Fi
- ISC
- Vacant Express
Mobile and manufactured homes
Manufactured and mobile homes in parks or on private land, including seasonal homes and occasional rentals. About this coverage
- Aegis
- American Modern
- Foremost
- King
- KW Specialty
Mobile home and RV parks
Property and general liability for mobile home parks and RV parks, with hired and non-owned auto, equipment breakdown and crime. About this coverage
- Hadron (King program)
Renters
Renters insurance for tenants, including coverage landlords can require in a lease. About this coverage
- ePremium
Personal umbrella
Excess liability above home, auto and rental policies. About this coverage
- Coverage Cat
- Monoline
- RLI
Auto
Standard and non-standard personal auto, and auto coverage for driving in Mexico. About this coverage
- Bristol West
- Kemper Auto
- Mexico Insurance Online
- National General
Collector cars
Classic, collector and enthusiast cars, insured for an agreed value. About this coverage
- American Modern
- Hagerty
Boats and yachts
Boats, yachts and personal watercraft, including classic boats. About this coverage
- Ahoy!
- American Modern
- Hagerty
Motorcycles, ATVs and golf carts
Motorcycles, off-road vehicles, UTVs and golf carts. About this coverage
- American Modern
- Hagerty
Art and collections
Fine art, collectibles and collections, scheduled or blanket. About this coverage
- Collectibles Insurance Services
- WAX
Home-based business
Business property and liability for a business run from home, beyond what a homeowners policy covers. About this coverage
- RLI
Travel and Mexico trips
Trip, medical and evacuation coverage, and tourist auto insurance for driving in Mexico. About this coverage
- King
- Mexico Insurance Online
Jewelry, watches and weddings
Engagement rings, jewelry and luxury watches, plus wedding liability and cancellation coverage. About this coverage
- BriteCo
- Jewelers Mutual
Small business: BOP and general liability
Business owner’s policies and general liability for offices, retail, services and trades. About this coverage
- Attune
- Authentic
- biBerk
- BTIS
- Chubb
- Coterie
- First Insurance
- Great American
- Hiscox
- MGT
- Next
- Pathpoint
- Rainbow
- RT Connector
- Simply Business
- Slice
- THREE by Berkshire Hathaway
- Thimble
Contractors
General liability, packages and project coverage for trades and general contractors. About this coverage
- Blitz
- Great American
- ISC
- Next
- Tokio Marine HCC ArtisanEdge
Workers’ compensation
Payroll-rated workers’ comp for California employers. About this coverage
- AmTrust
- Attune
- biBerk
- Futuristic Underwriters
- Pie
- Starwind
- weSure
Commercial property and packages
Buildings, business property and multi-line commercial packages. About this coverage
- Green Shield Risk
- Next
- Novella
- SES Risk Solutions
Commercial auto and trucking
Business vehicles, fleets and trucking operations. About this coverage
- biBerk
- Bristol West
- Diesel
- Semsee Market Access
- THREE by Berkshire Hathaway
Cyber liability
Coverage for data breaches, ransomware and business interruption from cyber events. About this coverage
- Chubb
- Cowbell
- Hiscox
- Pathpoint
- RT Connector
- Semsee Market Access
- Simply Business
- weSure
Surety and license bonds
Contractor license bonds, and performance and payment bonds. About this coverage
- Propeller
Life, disability and accident
Term and permanent life insurance, disability income and accidental death coverage. About this coverage
- Assurity
- Back9
- Simplicity
Specialty
Cannabis businesses, special events, amateur sports, community associations, drones and pets.
- CannGen
- Carma
- Fetch
- LIO
- Skywatch.ai
- Sport Underwriters
- Thimble
Wholesale and surplus lines markets
Specialty wholesalers and managing general agents for risks the standard market declines.
- Amwins
- Aspire General
- Atlas General Insurance Services
- Bass Underwriters
- Burns & Wilcox
- CRC Group
- DOXA Insurance
- Futuristic Underwriters
- Global Indemnity
- Novacore
- Risk Placement Services
- Victor Insurance
Availability depends on each company’s underwriting guidelines, the property or business, and its location, and changes over time. Access to some companies is through independent agency networks rather than a direct appointment. Company names are trademarks of their respective owners; listing them doesn’t imply endorsement. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association.
That’s my job. Send the details.
Most people shouldn’t have to know carrier names. Tell me what you need insured, and I’ll bring back the options side by side.
A short video from Sam
Under a minute each. Videos use an AI-generated version of Sam’s likeness and voice. General information only; coverage depends on your policy.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.