Write Stand · California
Your high-value clients in wildfire country are getting non-renewed and pushed onto the FAIR Plan. Get appointed with Stand and write them a real HO-5 — A- or better paper, parcel-level underwriting, and mitigation credits that reward the work they have already done.
Get appointedThe opportunity
Admitted carriers have pulled back from high-value, wildfire-exposed California homes. Renewals are drying up, and a FAIR Plan policy with a DIC wrapper is often the only thing left on the table — thin coverage, hard limits, frustrated clients. Stand was built to write exactly these homes, so the accounts you keep losing become accounts you can keep.
The program
Coverage
Open-perils homeowners coverage on wildfire-exposed homes — replacement cost, land stabilization, and up to 30 days of civil-authority evacuation expense. One policy instead of a FAIR-Plan-plus-DIC patchwork.
Paper
Carrier and reinsurance partners rated A- or better, with capacity for the primary high-value homes the standard market has walked away from.
Underwriting
Defensible space, hardened vents, ignition-resistant materials — every meaningful mitigation maps to a quantified premium credit. A reason to re-engage every client on your book.
Service
Stand runs the inspection and the mitigation consult directly with the homeowner. You stay agent-of-record without owning loss control.
How it underwrites
Every California submission runs through Frontier — our wildfire model — at the parcel level, then a field inspection. Homes that screen out on ZIP-code averages get a real, property-specific look. That is how the hard accounts get to yes.
Frontier models fire behavior, structure, vegetation, and access for the exact parcel.
An inspection confirms construction, defensible space, vents, and local conditions.
The hardening work your client has done shows up in the number — not a ZIP-code average.
Tell us about your agency. It is a self-serve application — about five minutes — and a team member reviews every request within two business days.
Already appointed? Sign in to the broker portal ↗