Services

Home Insurance – High-Risk Homeowners Insurance Experts

Boyster Insurance specializes in securing home insurance for high-risk properties that many standard providers decline to cover.

We help homeowners in wildfire zones, high-wind areas, and regions prone to flooding or earthquakes find customized home insurance policies that provide the coverage they need.

Our expertise includes navigating California’s Fair Plan insurance, excess & surplus lines, and non-admitted insurance carriers to ensure homeowners have the best protection available.

Fire Coverage – Wildfire Insurance Specialists

With wildfires becoming more frequent in California, having the right fire insurance policy is critical.

We work with top-rated insurers to provide comprehensive wildfire coverage, ensuring homeowners are financially protected in the event of a fire.

Whether you need a California Fair Plan policy or a wrap-around policy to enhance your coverage, we will guide you to the best solution for your home

Wrap-Around Policy – Supplementing Limited Coverage

A wrap-around insurance policy is essential for homeowners with California Fair Plan coverage, as it fills in the gaps that these basic policies leave behind.

We tailor wrap policies to ensure homeowners have protection for liability, theft, water damage, and personal property, offering peace of mind beyond standard fire-only coverage.

DIC Policy – Protection Beyond Standard Insurance

A Difference in Conditions (DIC) insurance policy is designed for homeowners in earthquake-prone, flood-risk, and wildfire-prone areas where traditional coverage is limited.

DIC policies cover perils that standard insurance excludes, including earthquake insurance, landslide protection, and flood coverage.

Our team specializes in helping homeowners secure DIC insurance policies that provide full protection against environmental risks.