Home insurance for hard-to-insure California homes.

We rate your home across standard carriers and the specialty surplus markets at the same time. You get real numbers in minutes, or a straight answer about what's possible.

Get my quotesFree. About 3 minutes. No account, no spam calls.

Sound familiar?

Your carrier left California. Your renewal never came. The only quote you got doubled. None of that means your home is uninsurable. It means the sites you tried only search a sliver of the market.

We search markets other sites can't.

Other instant sites check a handful of standard carriers. When those say no, you're stuck. casa rates your home across 30+ insurance markets at once, including the specialty surplus lines markets built for hard-to-place California homes, through licensed surplus lines professionals. Far more of the market, in the same session.

How it works

  1. Tell us about your home (3 minutes).

  2. We rate standard carriers first, then the specialty surplus markets built for harder-to-place homes.

  3. Your quotes appear on screen, usually in minutes. We text and email you a copy.

Get my quotesFree. Takes about 3 minutes.

More than 25 years behind every search.

casa is powered by a licensed California agency that has served homeowners for more than 25 years. You can see the insurer's name and its financial strength rating any time you ask, before anything is final.

A licensed agent personally reviews anything we can't quote online.

Text or call (602) 476-1003. Mon-Fri 9-6 Pacific.

Common questions

How fast are the quotes?
Usually in minutes. When you finish the form, casa rates your home with multiple carriers at once and shows you what comes back. If your home needs underwriting review, or the markets can't return a number automatically, you'll know right away and a licensed agent picks it up personally.
Is this real insurance?
Yes. Your coverage comes from real, rated insurance markets, arranged by a licensed agent at New Horizon Insurance Services. casa is the technology that runs the search and delivers your quotes; it is not an insurance company. You can see who the insurer is and its financial strength rating any time you ask, before anything is final.
What is a surplus lines market?
Surplus lines is the specialty part of the regulated insurance industry. It exists for homes that standard carriers turn down, like many California homes near brush or in higher-wildfire areas. These markets are reached through licensed surplus lines professionals. California has specific rules for using them, and we handle all of that for you.
What does it cost?
Getting quotes is free, with no obligation. casa charges you nothing for the search. The only amounts you ever see are the insurer's premium, any insurer or policy fees, and, for surplus lines options, the state surplus lines tax and stamping fee.
Will you call me?
Only about your request. We work by text and email first. A licensed agent calls when something needs a human, like one missing detail or options worth talking through. No cold calls, and we do not sell your information.
What if you can't find me a quote?
You'll know in minutes, and you are never left at a dead end. If the markets we search automatically don't return a number, a licensed agent reviews your home personally and contacts you to talk through what is possible.
Do you sell my information?
No. We do not sell your personal information. We use what you share to search for quotes, to contact you about this request, and to meet legal and insurance requirements. The details are in our Privacy Policy.
What areas do you cover?
California homes only, for now. If you are outside California, you can leave your email and we will let you know when we reach your state.

Still reading? The search is free and takes about 3 minutes.

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