Safer homes get cheaper insurance.

Comprehensive coverage, based on your home’s actual details — not your ZIP code.

About a minute · No obligation · Stand follows up with your quote

How Stand works.

Most insurers quote your ZIP code. Stand quotes your home — and helps make it safer while we’re at it. There’s no quote on this page: yours comes back from Stand once we’ve modelled your home. Nothing changes with your current policy in the meantime.

  • 01 You answer a few questions About a minute — your home itself, and how you buy insurance today.
  • 02 We model your home Wildfire, wind, and water simulated against your actual structure, not your ZIP code.
  • 03 Stand follows up What we can offer and a protection plan — through your broker if you have one.

How Stand compares.

Stand Typical carrier CA FAIR Plan
High wildfire risk locations Likely covered Often declined Covered as a last resort
How you’re evaluated Your specific home ZIP-code averages ZIP-code averages
What’s covered Comprehensive homeowners coverage Comprehensive homeowners coverage Restricted coverage
Liability Worldwide coverage Included Not covered
Loss of use Up to 2 years Limited Limited
Filing a claim One policy, one claim One policy, one claim Often two insurers
At renewal A long-term partner Non-renewals rising Year to year
Proactive protection Included, with private firefighting Not offered Not offered

Compared against common terms in a standard homeowners policy and a standard FAIR Plan dwelling policy. Every carrier’s policy differs, and optional endorsements or a DIC policy can cover some of these separately.

Insurance that starts with your home.

Your quote, from your home’s details

Wildfire spread, wind, and water are simulated against your actual structure — roof, vents, slope, the vegetation around it — at sub-meter resolution. Not a ZIP-code average.

A protection plan, not just a policy

You get the short list of highest-leverage improvements for your specific home, with the risk reduction quantified — and hardening work can earn premium credit.

Coverage others won’t write

All-risk coverage for high-value homes in wildfire and hurricane country, backed by an A-rated or better carrier — including many homes the rest of the market walked away from.

Common questions.

Will I see my quote on this page?

No. Quoting your home properly means modelling the structure itself, which is more than a form can do on its own. These questions are how we reach you — Stand follows up by email or phone.

Am I applying for insurance?

No. Answering these questions isn’t an application and doesn’t commit you to anything. It tells our team enough to look at your home properly, and nothing changes with your current policy in the meantime.

Why did my home get this postcard?

We continuously model homes across wildfire and hurricane country. Yours is one our models suggest we can insure well — which is why this came to your address specifically, not to everyone on the street.

What do I pay for a quote?

Nothing. Your quote and protection plan are free, with no obligation and no effect on your current policy.

Do I have to switch right away?

No. Most homeowners line Stand up with their next renewal. Tell us your renewal month and we’ll time everything so you never pay twice.

Can my broker stay involved?

Yes. If you buy through a broker today, tell us who — we work with brokers across California and Florida every day, and we’d rather work with yours than around them.

How long does this take?

About a minute. A handful of short questions, one at a time, and your answers save as you go — so if you get interrupted you can come back to the same place.

Let’s quote your home.

A few short questions now; Stand works out your quote and comes back to you with it. No obligation, and nothing changes with your current coverage.

Prefer to talk? Call (866) 838-5003

By continuing you agree that Stand may contact you about your quote by phone, email, or text. No obligation, no payment, and no effect on your current coverage.

Stand Protect, Inc. (d/b/a Stand Insurance Solutions) is a licensed insurance producer in California (License #6014213) and partners with an A-rated or better carrier. Privacy · Terms ·

We work with insurers that have a minimum AM Best rating of A- (Excellent), which is the 4th-highest of 13 categories on AM Best’s scale. Full carrier financial details are provided upon request.