Underwrite blog

Straight answers about insuring a difficult home

What actually happens when a carrier declines or non-renews a house, 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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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

NewWildfire · Arizona · California · Colorado · Idaho · Montana · New Mexico · Oregon · Texas

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.

Oct 23, 2026 · 7 min read

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State

FAIR Plans & marketsCalifornia

California FAIR Plan Explained: What It Is, How It Works, and Who Needs It

The California FAIR Plan is widely described as a safety net, but it's actually a bare-bones fire policy with significant gaps. Here's what it covers, what it doesn't, and what homeowners facing non-renewal really need to know.

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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