I was non-renewed
Don't wait for the expiration date. We'll review your notice and start looking right away.
Licensed California property insurance brokerage
Property insurance for California homes and buildings.
For homes, apartment buildings, and commercial property. Your own licensed broker will walk you through your options and help you get covered before your deadline.
What brought you here?
A home
I'm buying a home
Find out early whether the home can be insured, and get proof of insurance to your lender before closing.
I'm on the FAIR Plan
See what your policy leaves out, and whether a DIC policy or a better option fits.
I'm rebuilding
Coverage while you build, then a homeowners policy when you move back in.
An apartment building or commercial property
Buying a property
Coverage bound and documented before closing, matched to your lender's requirements.
Refinancing
A new lender means new requirements. We update your coverage and paperwork to match.
Building or renovating
Builder's risk for the project, then a clean move to permanent coverage at completion.
Renewal or non-renewal
Start early, see your options side by side, and avoid a gap.
Got a non-renewal notice on your home?
California requires insurers to send it at least 75 days before your policy ends. Use that time. Send us the notice and your declarations page today, and we'll tell you what we see.
DIC policy
Liability, theft, water damage, and more
Varies by policy
FAIR Plan
Fire, lightning, smoke, internal explosion
Basic dwelling policy, with optional additions
The FAIR Plan covers fire. A DIC policy can cover much of the rest.
The California FAIR Plan's basic dwelling policy covers fire, lightning, smoke, and internal explosion. It doesn't include liability, theft, or water damage. A separate difference in conditions (DIC) policy is built to sit on top of it and fill many of those gaps. We'll show you exactly what your combination covers, and what it doesn't.
More about the FAIR PlanHow it works
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Step 1: Tell us what's happening and your date.
A short form or a call. Send what you have. We'll ask for the rest.
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Step 2: We gather the property's details and take it to insurers.
Standard insurers first, then surplus lines insurers when needed, and the FAIR Plan for homes.
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Step 3: Compare your options with your broker.
Side by side, in plain language, including what each one leaves out.
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Step 4: We place your coverage and stay on.
Proof of insurance to your lender or escrow, then help with changes, claims questions, and every renewal.
Make your home easier to insure.
Some insurers look closely at roofs, vents, windows, and the space around your home. We'll walk you through the steps that can matter, in order, and how to document them.
See the steps
What you can count on.
Your own broker.
One licensed broker from the first call to every renewal. You'll always know who to call.
Replies within one hour on business days.
Every message gets a real answer, not an acknowledgment.
Updates until you're covered.
Same-day status updates, so you're never left wondering.
Renewals start early.
We start on your renewal 45 days before it's due.
I grew up in Los Angeles and went to Palisades Charter High School. After my family's home burned in the Palisades fire, and I watched my high school burn, I went deep on how property insurance actually works. I started Latch so homeowners in wildfire country get a broker who knows the details and answers the phone.
Apartment buildings and commercial property.
Buying, refinancing, building, or up for renewal? We place commercial property insurance and deliver what your lender needs before closing.
Realtors, loan officers, and escrow officers: keep closings on track.
Send a client over with one short form. We'll keep you posted with their permission and get proof of insurance to the lender and escrow.
Common questions
I was non-renewed. What should I do first?
Send us the notice and your current declarations page right away. The earlier we start, the more options you're likely to have.
What is a DIC policy?
A difference in conditions policy sits on top of a California FAIR Plan policy and covers things the FAIR Plan doesn't, such as liability and theft. Coverage varies by policy.
How much notice does my insurer have to give before non-renewing my home?
In California, generally at least 75 days before the policy ends, and a late notice can keep your current policy in force longer. Send us the notice and we'll check.
Can you send proof of insurance to my lender and escrow?
Yes. Tell us who they are, and we'll send it directly.
Have a date coming up?
Tell us what's happening and when. Your broker will reply within one hour on business days.