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California wildfire and Florida hurricane coverage for high-value homes.
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A-rated or better paper, 48-hour estimates, mitigation credits.
Explore the World Model
Property-level physics behind every Stand underwriting decision.
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First notice of loss for California and Florida homeowners — routed to the local team.
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Homeowners
Overview
Choose your market and start a quote.
California
Wildfire-exposed homes.
Florida
Wind and hurricane-exposed homes.
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Get notified as we launch new states.
Claims
File a first notice of loss.
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Brokers
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California brokers
Wildfire placements and referrals.
Florida brokers
High-value coastal homes.
Resources
Coverage comparisons and client-ready guides.
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Under the hood
Science
Frontier
The Stand World Model.
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Why property-level physics matters.
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Real homeowner moments.
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Research, datasets, and field notes.
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Stand in the news.
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