Homeowners Insurance Carriers for Independent Agents in California

Coastal and high-risk homeowners deserve choice, service, and certainty. Annex Risk partners with A.M. Best "A" rated insurance carriers to offer an HO-3 product for high-risk homes along the Gulf Coast and Eastern Seaboard. They work in some of the most natural catastrophe exposed regions to provide peace of mind to homeowners.

For over 50 years, Burns & Wilcox has been uniquely focused on the success of the agents and brokers with whom we work. No matter the type of coverage, from the more routine to the large, complex and hard-to place, our 2000+ professionals possess a relentless commitment to applying their expertise to their clients’ needs day in and day out. This results in the right answer, right now for both long-term partners and new relationships.

Delos offers coverage for properties in CA wildfire risk zones. Many Californians struggle to find coverage if they live in an area perceived to have high wildfire risk. Delos is best-equipped to underwrite this market because they can identify thousands of safe homes that exist in these areas using their proprietary data and cutting-edge AI. They also use their dynamic data to proactively send homeowners personalized advice for home hardening as their risk changes.

LightSpeed Specialty Insurance Solutions is a wholesale excess and surplus broker offering AM Best A+ rated Homeowners and Landlord insurance in the state of California.