Your home is likely your most valuable asset—it's where your clients and their families live, work, and build memories. Ensuring they have the right homeowners insurance is critical, especially in unique and high-exposure regions like Monterey Bay, California. That’s where Scurich Insurance Services can help.
Over 70% of homeowners carry insufficient coverage. As an independent insurance agent, you can help close that gap by partnering with Scurich Insurance Services to offer comprehensive, tailored coverage solutions for homeowners in the Monterey Bay area. Our program is designed specifically to meet the needs of California property owners, with flexible options and local expertise that make a difference when it matters most.
Ideal Accounts and Appetite
This program is designed for standard and higher-value homeowners in Monterey Bay, including:
- Primary residences, second homes, and vacation properties
- Homes located in coastal areas with specific structural considerations
- Owner-occupied single-family homes, townhomes, and condos
- Clients seeking higher limits or endorsements for valuables
You might have a client with a custom-built home near the ocean, or a family with significant personal property and collectibles. These are the types of accounts we’re equipped to help you place effectively.
Coverage Highlights and Advantages
Scurich Insurance Services works closely with agents to review, update, and tailor each policy to reflect the true value of a client’s home and possessions. Coverage options include:
- Dwelling Coverage – Protection for the home’s physical structure
- Other Structures – Coverage for detached structures like garages, sheds, and fences
- Personal Property – Covers personal belongings both at home and offsite
- Loss of Use – Pays for additional living expenses during a covered loss
- Liability Protection – Covers bodily injury or property damage for which the homeowner is legally responsible
- Scheduled Personal Property – Extra coverage for high-value items like jewelry, fine art, and electronics
We help ensure that no detail is overlooked, so your clients aren't surprised when a loss occurs.
Underwriting Notes and Market Access
This is a non-admitted homeowners insurance program, giving us the flexibility to underwrite unique risks and tailor coverage for properties that may fall outside traditional guidelines. While there is no stated minimum premium, submissions should reflect adequate replacement cost values and proper maintenance standards.
Territories and Availability
This program is available exclusively in California, with a focus on the Monterey Bay region. Our local knowledge allows us to assess coastal and wildfire-related exposures more accurately than broader national markets.
Why Work With Scurich Insurance Services?
With decades of experience and a strong commitment to personalized service, Scurich Insurance Services is a reliable partner for agents seeking competitive and well-structured homeowners insurance solutions. We understand the unique risks of California homeowners and offer responsive support throughout the placement process.
Let us help you deliver peace of mind to your clients by offering reliable protection for their most important investment—their home.
Frequently Asked Questions
What types of accounts are a good fit for this homeowners insurance program?
This program is ideal for owner-occupied single-family homes, second homes, and coastal or high-value properties located in the Monterey Bay region of California.
Is this program admitted or non-admitted?
This is a non-admitted homeowners insurance program, which allows for greater flexibility in underwriting and policy customization.
Do you offer coverage for high-value items or collectibles?
Yes, scheduled personal property coverage is available for valuables such as jewelry, fine art, and electronics.
Can this program handle properties in coastal or wildfire-prone areas?
Yes, we specialize in properties located in challenging zones like coastal or wildfire-exposed areas, especially within Monterey Bay.
Is there a minimum premium requirement?
While there's no stated minimum premium, submissions should reflect appropriate replacement cost values and risk characteristics.
Need help placing an account? Connect with a market specialist.