Primary, rental, and harder-to-place California dwellings from the same office that writes your business policies. Call (619) 420-8600.
Mainline is a commercial shop that also places homeowners. If a standard HO-3 will bind, we shop that. If the carrier’s wildfire score, roof age, or brush line fails, we do not pretend an HO-3 is available. The next honest options are usually a difference-in-conditions wrap, surplus lines, or the California FAIR Plan for fire — then a wrap for water, theft, and liability.
We place primary homes, rentals, and dwellings other markets bounce. The FAIR Plan is last resort, not the first quote. A 29.1% FAIR Plan increase hits October 15, 2026. If you are already on it, we will try admitted markets that came back under the state’s Sustainable Insurance Strategy before you treat residual as permanent.
Start a quote. Roof year, address, and the current declarations help. Read what the October FAIR Plan increase actually means.
Address, year built, roof year, and whether you already have a FAIR Plan or a nonrenewal letter. We will tell you admitted, wrap, or residual — not a 40-page dump.
Get a home quoteNo. It is fire and a short list of named perils. It does not replace theft, water, or liability. Most households still need a wrap on top.
Sometimes, if an admitted SIS carrier will take it. If they will not, we will say so and price the residual path instead of shopping you into a dead end.
Yes. Send the address and how the unit is used. Dwelling-fire and landlord forms are a different product than an HO-3.