Stand Umbrella
Personal umbrella, integrated.
$1M–$10M of liability sitting on top of the home, auto, and watercraft policies you already have — underwritten with the same physical-world view we apply to the structure itself.
Get a homeowners quote
Choose the risk that fits your home.
Stand writes high-value homes in California wildfire country and Florida hurricane country. Select your exposure to create an account and start your quote.
Wildfire model active California
Wildfire-exposed home
From the Sierra Foothills to the Malibu coast — coverage on properties the standard market has retreated from, backed by per-parcel wildfire modeling and field inspection.
Select wildfire-exposed home
Wind model active Florida
Hurricane-exposed home
From the Gulf to the Keys — wind-inclusive coverage with mitigation credits that actually reflect the work you've done to harden your home.
Select hurricane-exposed homeMore states launching in 2026 — Oregon, Washington, Arizona, Nevada, and beyond. Get notified when we arrive in your state →
Coming soon
Beyond the home.
Stand is building a single product line for everything a high-value household needs to insure. Two pieces drop next.
Stand Collections
Fine art, jewelry, wine.
Scheduled coverage for the things that don't fit a standard homeowners policy. Appraisal-aware, with environmental risk factored in for the rooms and vaults they live in.