Personal Coverage

California High-Risk Homeowners Insurance

Secure Your Future in
High-Risk Zones

Powered by Liberty

families affected
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combined experience helping families
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award for exceptional customer service

Understanding Your Risk

Insurance challenges in California’s wildfire-prone areas are impacting the availability and affordability of coverage, making it difficult for homeowners to find new policies. High-risk homeowners insurance is essential as it offers financial protection against the more frequent and severe damage from natural disasters, ensuring recovery without crippling financial consequences.

Affected areas include the following zip codes:
94563, 90272, 90049, 91302, 95033, 94549, 95409, 90210, 90077, 95404, 92067, 95949.*

*There may be more areas affected beyond this list

Features of Our High-Risk Homeowners Insurance

Our specialized high-risk homeowner insurance policies are meticulously crafted to protect the homes that standard policies overlook. With us, you have peace of mind built on solid ground, thanks to:


When you need them the most


At liberty, you can feel confident in knowing that our expert agents have the combined experience to help with your needs.

Offices Nationwide

Support regardless of location


We can help regardless of your location. Our offices are located nationwide. Even if you are from California or own multiple homes in multiple states we are equipped to handle your unique situation.

Flexible Settlement Options

In the event of total loss

Flexible Settlement Options

In the event of a total loss, you can choose what feels right—rebuild your dream home or opt for a cash settlement.

Why Choose Us

At The Liberty Company Insurance Brokers, we offer peace of mind in high-risk zones. Our dedicated team leverages deep expertise and customized care to ensure your home and family are protected against unforeseen natural disasters.

Expertise in High-Risk Coverage

Specializing in insurance for wildfire-prone areas.

Tailored Home Insurance Quote

Personalized plans for unique homeowner needs.


Quick, easy steps to secure coverage.

Plan Your Protection

1. Talk to an expert about your unique needs

2. Review quotes from the nation's top carriers

3. Bind your coverage

Let’s Work Together!

Let’s work together to secure your families future. At The Liberty Company Insurance Brokers, your extraordinary home deserves nothing less than extraordinary protection.

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Get a High-Risk Homeowners Insurance Quote

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