non-admitted insurance carriers
September 15, 2026
California fire departments now conduct formal risk assessments that can stop a subdivision outright, no matter what planning and zoning have already approved. A $33 million La Jolla project shows what happens when fire access requirements surface too late, and what to do instead.
September 3, 2026
Owning high-value property in California's fire country is manageable if you prepare before the offer, not after closing. Scott Union rebuilt from a 2017 wildfire loss and explains the tools, insurance realities, and sequencing that make the difference for buyers in fire-risk zones.
September 1, 2026
California's home insurance crisis has reshaped luxury buying in Rancho Santa Fe, La Jolla, and Napa Valley. Major carriers have exited, the FAIR Plan falls short for high-value homes, and knowing your options before making an offer now matters more than ever.