A superior homeowners product coupled with protection.
Stand combines physics, AI, and proactive mitigation to insure homes traditional carriers decline. Backed by A-rated reinsurers.
The Coverage California Homes Deserve
Stand partners with you to complete essential wildfire hardening steps. This protects your home and helps secure coverage others won’t offer.
Typical HO‑3 Policy
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Covers only named perils — more gaps
✓
All-risk protection — covers everything unless excluded
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Actual cash value (depreciated payouts)
✓
Full replacement cost (not depreciated value)
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No land stabilization coverage
✓
Land stabilization if fire damages your foundation
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Detached structures capped and limited use
✓
Detached structures, rentals, and business use included
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Low coverage for valuables
✓
High limits for valuables + worldwide personal property coverage
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Rent coverage limited or capped
✓
Loss of rent and evacuation covered for 30+ days
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Most extras require separate endorsements
✓
Included: sewage backup, landscaping, refrigerated items, business property
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More exclusions — you pay extra to fill the gaps
✓
Fewer exclusions — more covered events
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May deny coverage if conditions aren't met
✓
Designed for resilience: inflation guard + wildfire benefits
Mitigation In Action
Stand partners with you to complete essential wildfire hardening steps. This protects your home and helps secure coverage others won’t offer.
We don’t just rate your ZIP code, we model your home.
ZIP codes don’t tell the full story. That’s why Stand models your property in detail, evaluating your unique home’s environment — from trees and vegetation to roofing materials and window type. This allows us to prescribe targeted mitigation.
A concierge approach to claims
Our claims team delivers a white-glove experience for high-value homeowners, ensuring fast response and support when you need it most.
