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Home Insurance · California
Home insurance for California, including the hard-to-insure homes.
Homeowners, condo, landlord, and high-fire properties. We shop multiple carriers for the best coverage at the best price, and know how to structure the FAIR Plan when it's the only option left.
What We Write
Coverage for every kind of home.
Primary homes
Full homeowners coverage for the house you live in, including the dwelling, your belongings, liability, and loss of use.
Landlord & rentals
Dwelling fire and landlord policies for long-term rentals, plus options for secondary and vacation homes.
Condos
HO-6 coverage for your walls-in, belongings, and liability, coordinated with your HOA's master policy.
High-fire homes
Homes in wildfire areas that other agents turn away. This is our specialty.
Earthquake
Standard home policies don't cover earthquake. We'll review whether separate coverage makes sense for you.
Umbrella
Extra liability protection above your home and auto limits, usually for less than people expect.
High-Fire Homes
Two paths. We're experts at both.
Every California fire-zone home falls into one of two buckets. We'll tell you which one yours is in and handle it either way.
Get a traditional policy
- We shop multiple carriers, including Farmers
- Including carriers most local agents don't have access to
- If we can place you, you typically get broader coverage at a comparable or lower premium
FAIR Plan + DIC, done right
- Some fire-zone homes truly have no other option
- We pair the FAIR Plan with a DIC policy for water, theft, and liability
- We structure coverage to maximize protection and keep premium down
Questions
Home insurance FAQ
What is the California FAIR Plan?
It's the state's insurer of last resort for homes that can't get coverage from a traditional carrier. It's a named-peril policy focused on fire, so it's usually paired with a Difference in Conditions (DIC) policy that adds coverage like water damage, theft, and liability.
What is a DIC policy?
A Difference in Conditions policy fills the gaps the FAIR Plan leaves out. Together, FAIR Plan + DIC works like a full homeowners policy.
I was non-renewed. What should I do?
Call us before your policy ends. We'll shop every carrier that fits your home, and if no traditional carrier will write it, we'll set up FAIR Plan + DIC so you're covered on day one.
Which insurance companies do you work with?
We're an insurance broker with access to multiple carriers, including Farmers. We compare options and recommend the one with the best coverage for the price.
What do you need from me to quote?
Your address and contact info gets us started. If you have your current declarations page, renewal date, and roof year handy, we can usually quote faster.
Free Quote
Get your home quote started.
No obligation, no pressure. Send the form and a licensed agent on our team will reach out with your quote, usually the same business day.
- Local agent, real answers
- Multiple carriers compared for you
- Bundle & multi-policy discounts
- Quotes typically same-day
Thanks, we've got it.
Your request is with our team. A licensed Mundell Insurance agent will reach out, usually the same business day.
In a hurry? Call us at (949) 269-7860.