Gorst & Compass Insurance offers a flexible and competitive Homeowner’s Risk Insurance program designed to help agents and brokers place a wide range of personal property accounts. With deep expertise in personal lines and direct access to top-rated carriers, we provide fast quoting and tailored solutions for both standard and hard-to-place homeowner risks.
Coverage Highlights
• 200% Replacement Cost on Dwelling and Other Structures
• Ordinance or Law
• Sewer Backup
• ICC/DEMO
• Replacement Cost for Contents
• Mold Coverage
• Identity Theft Protection
• All Risk Contents Coverage
• Increased Sublimits on Contents
• Landscaping Coverage
• Excess Flood
• Scheduled Articles up to $10M
Target Risks
• HO-3, HO-4, and HO-6 policies
• Secondary, Seasonal, and Vacant Homes
• Homes Under Construction or Renovation (COC)
• Accounts with Prior Loss Experience
• Properties in Brush or Wildfire-Prone Areas
• Earthquake Coverage Available (Mono-line or Package)
Homeowner Program Highlights
• Quick Quote Turnaround
• Access to Admitted and Non-Admitted Markets
• Direct Appointments with Leading Carriers like CHUBB and Travelers
Underwriting and Premium Notes
We can accommodate a wide spectrum of homeowner risks, including those with loss history or located in challenging geographic zones. Minimum premiums vary depending on risk characteristics, location, and coverage selected. Our underwriters are available to assist with complex or unusual submissions.
Available Territory
Currently available in California, with most coverages offered on both admitted and non-admitted paper, depending on risk eligibility.
Why Work With Gorst & Compass Insurance?
As a leading wholesale broker with a strong presence in personal lines, Gorst & Compass Insurance helps agents write more homeowners business with greater confidence. Whether you’re working with high-value homes, seasonal properties, or tougher risks like brush zones or prior losses, we deliver solutions backed by carrier relationships and experienced underwriters. Our team is committed to fast service, competitive options, and helping you succeed in the homeowner market.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for HO-3, HO-4, and HO-6 risks, including secondary, seasonal, and vacant homes, high-value properties, and homes in brush or earthquake-prone areas.
Are prior losses a dealbreaker?
No, homes with some loss experience can still be considered. Each submission is reviewed individually by our underwriters.
Is this program available outside of California?
Currently, this program is available in California. Availability in other states may be considered in the future.
What kind of turnaround can I expect on quotes?
We offer fast quote turnaround for most submissions, especially when complete information is provided upfront.
Do you offer both admitted and non-admitted options?
Yes, we provide access to both admitted and non-admitted markets, including top carriers like CHUBB and Travelers.
Need help placing an account? Connect with a market specialist.