We have the knowledge, experience, and confidence to insure homes in high hazard areas, including the wildland urban interface of California and the Atlantic and Gulf coasts.

When other insurers walk away from complex risks, we step in—especially when that risk is someone’s home. Our underwriters consider each risk individually, and loss mitigation experts help homeowners prevent losses so they can continue to live in the places they love.

A Broad Range of Solutions

• California wildfire homeowners policy tailored to the homeowner’s specific needs

  • Coverage not limited by special wildfire deductibles or sublimits

  • California wildfire experts with backgrounds in wildland firefighting with Cal-Fire and the U.S. Forest Service, averaging 18 years of experience give input on underwriting and help homeowners develop individual mitigation plans

• Non-admitted coverage for high value homes and condos on the East Coast; including island/coastal/beachfront properties, monoline, secondary or seasonal homes, vacant homes, short-term and long-term rental properties, and more

  • Endorsements are available a la carte, which include but are not limited to: water backup, mold, ID fraud, cyber, equipment breakdown, and extended replacement cost

  • Additional monoline coverage options for complex risks such as primary and excess flood and standalone private and corporate collections

• Admitted homeowners and dwelling fire coverage along the South and Southeast coastlines, with particular experience in storm situations

Offered through both Admitted and Excess & Surplus lines carriers, Applied Risk Services Inc, Licenses available on request or in California through AU Insurance Services, Inc: California License Number 0D78336.