Home Insurance

Protect your home with comprehensive insurance coverage, safeguarding against fire, theft, water damage, and liability. Get peace of mind knowing your property and belongings are secure with a policy tailored to your needs.

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.

What's In Home Insurance?

Wildfire Home Insurance

Designed for homes in fire-prone areas, this policy covers structural damage, personal property loss, and additional living expenses due to wildfire-related destruction.

Features:

  • Protects against fire damage to structures and personal belongings.
  • Includes additional living expenses for temporary housing.
  • Essential for homeowners in wildfire-prone regions.

Non-Admitted Home Insurance

Non-admitted insurance offers flexible coverage from specialized providers when standard carriers won’t insure a property, ensuring homeowners in high-risk areas get the protection they need.

Features:

  • Provides coverage from specialized insurers when standard carriers decline.
  • Offers flexible terms and customized protection.
  • Ensures homeowners in high-risk areas receive necessary coverage.

The care & protection you deserve

Experience the peace of mind you deserve with our comprehensive insurance solutions, designed to protect you every step of the way.

California Fair Plan

The California Fair Plan provides essential fire insurance for homes that can’t secure traditional coverage, offering a foundation that can be supplemented with wrap-around policies for complete protection.

Excess & Surplus Lines

Excess & surplus lines insurance caters to unique or high-risk homes by offering customized policies outside of standard insurance regulations, ensuring coverage tailored to specific risks.

Homeowners Insurance for High-Risk Areas

This coverage is designed for homes in disaster-prone locations, providing financial protection against wildfires, floods, earthquakes, and other environmental hazards.

High-Risk Home Insurance

High-risk home insurance provides coverage for properties in wildfire zones, flood-prone areas, and regions with high wind exposure. It ensures homeowners can secure reliable protection when standard insurers decline coverage.