Wildfire HO · Moraga, CA · Lamorinda
Wildfire Home Insurance for Moraga Homeowners
Moraga sits in the wooded Lamorinda hills, tucked against Las Trampas and the Diablo foothills, and the 2025 state fire hazard maps put a large share of the town in high and very high fire hazard zones. That is the same exposure that has pushed State Farm, Allstate, Farmers, and other admitted carriers to non-renew homes across the East Bay. I am an independent producer, not captive to any one carrier, and I am an appointed broker with the Stand wildfire program, which is actively writing homes in towns like Moraga.
The insurance picture in Moraga
- • Moraga is a wildland-urban interface community bordered by the Las Trampas Regional Wilderness and the wooded Diablo foothills.
- • CAL FIRE’s updated 2025 Fire Hazard Severity Zone maps moved a large share of Moraga into high and very high fire hazard zones, a sharp increase over the 2011 maps.
- • The Moraga-Orinda Fire District serves the town and requires 100 feet of defensible space around structures.
- • Moraga faces Diablo wind events, the dry east winds that drove the 1991 Oakland Hills Tunnel Fire in the nearby East Bay hills, which destroyed thousands of homes.
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 insurer just non-renewed my Moraga home. What are my options? +
You likely still have options beyond the FAIR Plan. As an independent producer and appointed Stand broker, I can check the Stand wildfire program along with other markets that write wildfire-exposed Lamorinda homes. The first step is a quick look at your address, your current coverage, and any defensible space or home-hardening work you have done.
Does being in a high or very high fire hazard zone mean I can only get the FAIR Plan? +
Not necessarily. The FAIR Plan is the state’s last resort, but specialty carriers like the Stand program write full homeowners coverage on wildfire-exposed homes in towns like Moraga. I can compare what is realistically available for your specific property before you settle for a last-resort policy.
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 Moraga home and I will respond within one business day with a path forward.
Other East Bay communities
Not in Moraga, 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.