Wildfire HO · Lafayette, CA · Lamorinda
Wildfire Home Insurance for Lafayette Homeowners
If you own a home in the Lafayette hills and just got a non-renewal notice, you are not alone, and you probably still have options. Nearly all of Lafayette sits inside the wildland-urban interface, and admitted carriers like State Farm have grown cautious about wooded lots near the Briones and Diablo foothills. I am an independent producer, not captive to any one company, and I am an appointed broker with the Stand Insurance program, built to write the wildfire-exposed East Bay homes the big carriers are walking away from.
The insurance picture in Lafayette
- • Nearly all of Lafayette lies within the wildland-urban interface, and parts of the city are mapped in CAL FIRE’s Very High Fire Hazard Severity Zone.
- • Lafayette is one of the Contra Costa communities flagged with very high fire hazard severity areas, reflecting its wooded hills and canyon terrain.
- • State Farm and other admitted carriers have non-renewed homeowners policies across Lafayette and neighboring Orinda as part of a statewide pullback.
- • Many local homeowners have been pushed toward the California FAIR Plan, the state’s fire-only market of last resort, which leaves gaps like liability and usually costs more.
None of that means your home is uninsurable. It means the admitted market has thinned out, and placing coverage now takes a broker with the right specialty markets. I am based in Danville myself, right in the middle of these communities, and this is the gap I fill for Contra Costa County homeowners.
Coverage I place
Full homeowners coverage
Standard homeowners coverage on wildfire-exposed homes, placed through the Stand program and other specialty markets when admitted carriers decline.
Wildfire coverage others won’t write
Placed through the Stand Insurance program and surplus-lines markets built for high fire-hazard zones.
Other structures, pools, and landscaping
Outbuildings, pools, hardscape, and mature trees scheduled accurately, not lumped into a flat percentage of the dwelling.
Personal liability and umbrella
Umbrella coverage layered correctly above your home and auto, sized to what you actually need to protect.
I am a broker, not a carrier, so your home gets shopped across the specialty and surplus-lines markets that still write fire-exposed California homes. See the full wildfire program and the markets I access →
Frequently asked
My Lafayette home was just non-renewed. What are my options? +
Start before your current policy lapses, since that gives us the most room to work. As an independent producer and appointed Stand broker, I can look at the Stand program for wildfire-exposed homes and other specialty markets. If your current coverage genuinely turns out to be your best option, I will tell you that too. Reach out and we can review what fits your specific address, roof, defensible space, and construction.
Does defensible space or home hardening help me get covered in Lafayette? +
It can. Several wildfire-focused programs, including Stand, look closely at hardening steps like ember-resistant vents, cleared vegetation, and Class A roofing when evaluating a home. It is worth documenting the work you have done before we submit.
What is the Stand Insurance program? +
Stand is a specialty carrier built for homes in wildfire-exposed areas of California. They write coverage that admitted markets have largely exited. I am an appointed broker with the Stand program, which is why I can quote risks many brokers cannot, and I shop other specialty markets like Markel, Vault, and Kinsale alongside it.
How fast can you place coverage after a non-renewal? +
For clean risks I can usually turn around a quote within about a week, once I have your current dec page, any recent inspection, and your wildfire mitigation details. Starting before your current policy lapses gives us the most room to work.
Got a non-renewal letter?
Send me a few details about your Lafayette home and I will respond within one business day with a path forward.
Other East Bay communities
Not in Lafayette, or not even in California? I am based in the Bay Area and place coverage for clients nationwide, so reach out anyway.
Tyler Chalk, California Insurance License 0D96236. Independent insurance producer; insurance products and services offered through Pantainsure. This page is for information only and is not an offer of insurance or a quote. All coverage is subject to underwriting and the actual terms, conditions, exclusions, and limits of any policy issued.