California's homeowners market has tightened, and carriers are non-renewing policies over wildfire and broader risk exposure. If you got a letter, a non-renewal is not the end. As an independent brokerage, we now have access to carriers that still write California homeowners — including the standard HO-3 and deluxe HO-5 forms — so we can shop your home's profile with multiple A-rated carriers and find a real policy. Don't let your coverage lapse. Call 209-670-1556 — we're bilingual and serve Stockton, San Jose, and San Rafael. Se habla español.
If your carrier dropped you, you're not alone and you didn't do anything wrong. California's homeowners market has gone through what the industry calls a "hard market" — carriers have pulled back from writing new business and, in many cases, stopped renewing existing policies. The pressure generally traces back to years of costly wildfire seasons and the rising cost of reinsurance (the insurance that carriers themselves buy). When those costs climb, some carriers reduce how many California homes they'll cover, and non-renewals follow.
The important part: a non-renewal is a business decision by one carrier about its book. It's not a verdict on your home. Different carriers have different appetites, and the ones that are still writing California homeowners are looking for homes like yours.
A non-renewal is one carrier stepping back — it is not California telling you your home can't be insured.
Got a non-renewal letter? Don't wait for the deadline. We can line up replacement coverage before your current policy ends.
Call 209-670-1556The single most important rule: do not let your coverage lapse. Your existing policy usually stays in force until the date printed on the non-renewal notice, so you have a window — but the moment there's a gap, two things go wrong. First, if you have a mortgage, your lender requires continuous coverage; a gap can trigger force-placed insurance from your mortgage lender — often at 2–3x the cost of a policy you'd choose yourself — or put you in default. Second, if anything happens to your home during a gap, you're paying out of pocket.
Call us the day the letter arrives. The earlier we start, the more room we have to shop your home carefully instead of scrambling at the deadline.
To shop your home with carriers that write California homeowners, we'll ask for a short list of facts:
That's usually enough to get you real numbers. Across our three California offices we've served 4,500+ active customers since 2013, and as an independent brokerage we place coverage with multiple A-rated carriers — so we can match your home's profile to a carrier that actually wants to write it.
When we shop your home, you'll usually see one of two policy "forms." Here's the difference in plain terms:
We'll walk you through which form each carrier is offering and what the real-world difference means for your home — no jargon.
You may have heard of the California FAIR Plan. It exists as a safety net so no home is left completely uninsurable — but it's a last resort, not a first choice. The FAIR Plan primarily covers fire and leaves gaps (like liability and theft) that you have to patch with a separate "wrap-around" policy. That means two premiums and more moving parts.
Before anyone defaults to the FAIR Plan, we check whether a standard-market carrier will write your home — and many still will. We help you avoid the FAIR Plan whenever a real carrier is available, and if the FAIR Plan genuinely is your best path, we help you set it up correctly with the coverage you'd otherwise be missing.
If we place your home, it's often worth reviewing your auto insurance at the same time. Bundling home and auto with the same carrier can improve your overall pricing and gives you one point of contact for both. Since we already handle a large auto book across our three offices, it's an easy conversation to have while we're at it.
Prefer to come in? Stockton — 956 W. Robinhood Dr (Mon–Fri 10am–6pm) · San Jose — 25 N. 14th St (Mon–Sat 10am–6pm) · San Rafael — 9 Vivian St (Mon–Fri 10am–6pm, Sat 10am–3pm).
Not the way people fear. Carriers understand the current California market — a non-renewal driven by a company pulling back is very different from a policy cancelled for non-payment or fraud. We present your home honestly and match it to a carrier whose appetite fits.
Once we have your home's details, we can usually turn around real options quickly. The key is not to wait until your existing policy is days from ending — call us as soon as you get the letter.
Yes. We serve homeowners in and around Stockton, San Jose, and San Rafael, and we work with carriers that write across California.
Higher-risk doesn't mean uninsurable. Carrier appetites vary, and there are markets built for exactly these homes. We'll tell you honestly what's available for your address and coverage need.
¿Te cancelaron el seguro de casa en California? Preparamos esta misma guía en español — por qué está pasando, qué hacer el mismo día que recibes la carta, y quién todavía te puede asegurar.
Bring us your home's details and we'll shop it with carriers that still write California homeowners. Stockton · San Jose · San Rafael. Se habla español.