Standing by homeowners where they need us most

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

Submission Requirements

  • Completed application

  • Prior inspection, or protection class details if an inspection is not provided

  • Current policy

  • Competing and/or renewal quotes

  • Loss details, in writing, or via CLUE

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.

Contact Us

We work hard for our agents and brokers. Call us for more information or to get a quote.

Brian Voorhees
California Home, High Value Homes


+1 (908) 892-2225

Are you a homeowner looking for coverage? Have your preferred agent or broker call us. If you need help finding an agent, call us at +1 (877) 234-4450.

©2024 Applied Underwriters, Inc. Rated 'A-' (Excellent) by AM Best.