California Homeowners
A best-in-class homeowners policy for high-value California homes — engineered for the wildfires the rest of the market won't underwrite.
Add your home details inside your account to request a California homeowners quote.
No payment required to start.
What's in the policy
All-risk on the dwelling and your belongings. Worldwide replacement cost. Land stabilization if fire damages the foundation. Civil authority evacuation built in.
Stand California HO-5
Open-perils coverage for wildfire-exposed homes, with the messy California-specific details handled inside the policy instead of pushed into add-ons.
Everything is covered unless it's specifically excluded — for both your home and the contents inside it.
Full replacement on the dwelling, plus land stabilization coverage if a fire damages the ground beneath it.
Belongings covered at replacement cost anywhere on Earth, with higher limits for valuables and guest property.
Up to 30 days of additional living expense if the county tells you to leave — even before the fire arrives.
Premium credit and rebuild support tied to defensible-space and home-hardening work you do or have done.
Debris removal, sewage backup, landscaping, refrigerated property, fungi remediation — bundled, not bolted on.
How we underwrite it
Every California submission goes through Frontier — our wildfire simulator — and then through a field inspection. The result is a property-specific risk picture, not a ZIP-code average.
Frontier parcel model
Frontier models the parcel before an underwriter decides what the property can support.
Inspection checks the structure, vegetation, vents, defensible space, and local access details.
Meaningful hardening work shows up in the underwriting decision instead of disappearing into a ZIP-code average.