Underwrite blog

Straight answers about insuring everything you own

What actually happens when a carrier declines or non-renews a house, how auto, boat and umbrella limits fit together, which details move an underwriting decision, and what you can do about it. Educational information, not insurance advice or an offer of coverage.

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Start with your situation

I was non-renewedWhat to do next, step by step I’m buying a homeCheck insurability before you offer I’m on a FAIR PlanOptions, and how to fill the gaps I want to understand my policyDeductibles, limits and exclusions I have a car or boat to insureLimits, deductibles and what each covers I’m thinking about an umbrellaHow it sits on your home, auto and boat

New

Exotic Car Insurance: What Makes It Different and How Underwriters Actually Look at It

Standard auto policies are built for high-volume, predictable repair costs — and exotic cars fall outside that model in almost every way that matters. Here's how underwriters actually assess high-value vehicles, why the valuation clause determines your total-loss outcome, and where gaps open up between a specialty auto policy and your household umbrella.

Oct 28, 2026 · 8 min read

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State

WildfireArizonaCalifornia

Wildfire Mitigation: What Carriers Actually Look For

Wildfire mitigation can shift a borderline home into an insurable one — but only if carriers can verify the work. This piece explains the underwriting mechanics behind defensible space, home hardening, and the documentation that makes mitigation legible to a carrier.

7 min read

Reference

Lookups and explainers built on public data and our own scoring.

FEMA flood zones, explainedLook up any address’s zone and what it means for insurance.How we assess riskThe factors, data sources and limits behind the Insurability Score.Insurability IndexHow easy homes are to insure, by state and county.Carriers writing high-risk homesWhich insurers write property coverage, and where.

Guides by state

Insurance rules, FAIR Plans and storm seasons differ by state.

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