Specialty property insurance for luxury estates, brush-zone homes, and high-value residences from Malibu to Montecito — with direct access to Chubb, PURE, Vault, Berkley One, Cincinnati Private Client, and the E&S markets most agencies can't reach.
From $2M coastal homes to brush-zone estates other carriers won't touch, we structure coverage that actually places — admitted first, E&S when needed, and FAIR Plan + DIC when that's what it takes.
From $2M coastal homes to $50M brush-zone estates, we place coverage where other agencies get declined.
Dwelling limits $2M–$100M+ with guaranteed and extended replacement cost and cash-settlement options. Chubb Masterpiece, PURE, Vault, Berkley One, AIG Private Client.
Tier 1, 2, and 3 brush-zone placements. FAIR Plan + Difference-in-Conditions (DIC) wrap policies, non-renewal rescue, and hardened-home credits across Malibu, Palisades, Bel Air, Hidden Hills, Calabasas, Montecito.
Single-family, duplex, fourplex, and small-apartment DP-3 policies. Vacation rental / Airbnb coverage. Umbrella layers to $10M. Landlord liability and loss-of-rents protection.
New construction and major-remodel coverage during the build phase — $1M to $50M+ limits. Soft-cost, delay-in-opening, and completed-value policies for custom estate builds.
California Earthquake Authority (CEA), private-market earthquake through GeoVera and Palomar, and flood through NFIP and private markets. Full-limit earthquake on high-value risks.
Jewelry, fine art, wine, automobile collections, and collectibles on scheduled personal-articles floaters. Private Client packages with theft, mysterious-disappearance, and agreed-value coverage.
An independent brokerage built for California's hardest property risks — direct carrier appointments, deep wholesale relationships, and the underwriting expertise to structure coverage that actually gets bound.
Direct Chubb, PURE, Vault, Berkley One, Cincinnati Private Client, and AIG Private Client Select appointments. When those decline, we go to Burns & Wilcox, CRC, and Amwins wholesale.
We've written policies in brush-zone neighborhoods from Topanga to Rancho Santa Fe. FAIR Plan dwelling + DIC wrap structuring is our daily work — not a once-a-year exception.
LLC-titled properties, family-office introductions, estate-attorney coordination — we understand why privacy matters and how to maintain it through quoting and binding.
You call or submit a request, you hear back in four hours or less — from a licensed advisor, not a call center. Most coverage can be quoted and bound the same day.
A straightforward three-step process — no 47-question form before you talk to a person.
A quick, confidential conversation: property address, approximate value, current coverage status, and what brought you here — non-renewal, new purchase, or rate shopping.
We run it through our direct carrier appointments first, then E&S wholesale if needed. You get side-by-side quote comparisons with plain-English explanations of the coverage differences.
Pick the coverage that fits, we bind, and evidence of insurance is issued same day when needed. Ongoing service from the same advisor for renewals, claims, and changes.
Representative of the high-value, brush-zone, and coastal homes we structure coverage for — from Tier 3 fire exposure to $20M+ private-client estates.
Tier 3 brush-zone estate on a coastal bluff. Admitted markets declined — structured a FAIR Plan dwelling layered with a DIC wrap for full coverage.
Oak-canopy estate valued $15M+. Placed with a private-client carrier offering guaranteed replacement cost and scheduled fine-art coverage.
$20M+ dwelling. Quoted side-by-side across six HNW carriers, with liability structured up to $100M and integrated auto and valuables.
Hillside home in a high-fire area. FAIR Plan + DIC structured to restore full protection while admitted markets stayed closed.
Gated estate declined by three carriers. Placed through E&S markets and cross-lined with auto and a $10M umbrella.
Custom hillside build. Builder's risk written through construction with soft-cost, delay-in-opening, and completed-value coverage.
Chubb non-renewed our Malibu home two weeks before closing on a refi. Tamir had a PURE policy bound in 48 hours with better limits. We've moved our entire portfolio to him.
I'd been through four agents since the Palisades fire. Thrive was the first that actually understood FAIR Plan + DIC wrap and structured something that made sense. Real expertise.
Our Hidden Hills property was declined by three carriers. Tamir placed it, then handled our auto, umbrella, and a ranch in Santa Ynez. Incredibly responsive — same day, every time.
You have three paths. First, we shop the admitted HNW markets — Chubb, PURE, Vault, Berkley One, Cincinnati Private Client, AIG PCS — since a different carrier will sometimes write what the last one wouldn't. Second, we look at E&S markets through Burns & Wilcox, CRC, and Amwins for non-admitted placements. Third, if admitted and E&S both decline, we structure a California FAIR Plan dwelling policy (up to $3M fire coverage) layered with a Difference-in-Conditions wrap for theft, liability, water damage, and the other perils the FAIR Plan excludes. Most brush-zone homeowners end up with one of these three solutions.
The California FAIR Plan is the state-sponsored insurer of last resort. It covers fire but excludes almost everything else (liability, water damage, theft). A DIC (Difference-in-Conditions) wrap is a separate policy from a carrier like Chubb, PURE, Vault, or Pacific Specialty that fills in everything the FAIR Plan doesn't. Together they replicate a full homeowners policy. If you've been non-renewed from admitted markets, this is almost always the structure that gets you fully insured again. We build these every week.
For a home that size you want a Private Client carrier (Chubb Masterpiece, PURE, Vault, Berkley One, Cincinnati Private Client, AIG PCS). They offer guaranteed replacement cost, cash-settlement options, higher contents limits, liability up to $100M, and integrated coverage for jewelry, fine art, autos, and domestic employment. We'll quote across all six and show you side-by-side what each offers — premium differences on $20M homes can swing $40K–$80K/year for essentially identical coverage.
Yes — we handle a lot of LLC-held properties (HNW families, trusts, family offices). The Named Insured on the policy is the LLC. Mail routes to the LLC's registered agent or family office. We coordinate directly with your estate attorney, business manager, or family office and keep the insured's personal identity out of carrier databases wherever possible. Discretion is the default, not the exception.
For most HNW homes we recommend full-limit earthquake matching your dwelling limit, with a 10–15% deductible to keep premium manageable. The California Earthquake Authority (CEA) caps dwelling coverage, so anything above that needs private earthquake through GeoVera, Palomar, or as an endorsement on your Chubb/PURE HNW policy. We'll quote both CEA and private-market options.
If you're in a FEMA Zone AE, AH, AO, or V, your lender will require it. Even outside those zones, post-wildfire debris flow and atmospheric-river events have caused major flood losses in supposedly low-risk neighborhoods. Private flood markets now offer higher limits than NFIP's $250K cap — up to $5M dwelling and $500K contents through carriers like Neptune and Wright Flood. For homes near hillsides or burn scars, private flood is often well worth it.
Property Insurance CA is a division of Thrive Risk Management Insurance Solutions, an independent California-licensed brokerage (CA License #6012320) based in Encino. We specialize in high-value California property and have placed coverage across every major HNW market — admitted and E&S. We keep client information confidential, move fast, and don't take the account if we can't improve your coverage.
Whether you've been non-renewed, just closed on a new property, or want a second opinion on your renewal — one confidential conversation is all it takes.