High-Value Home Insurance · Los Angeles

Coverage built from the cost to rebuild.

Alishahi Insurance is an independent high-value home insurance broker in Beverly Hills (CA License #4348151), for homes in Bel Air, Brentwood, Beverly Hills, the Palisades and across Los Angeles. I start from what the home would actually cost to rebuild, then shop high-value carriers, surplus lines and Lloyd’s.

Quick answer Alishahi Insurance is an independent high-value home insurance broker in Beverly Hills (CA License #4348151) for homes across Los Angeles, starting from rebuild cost and shopping high-value carriers, surplus lines and Lloyd's.

Alishahi Insurance's high-value home practice focuses on homes from about $3M in rebuild cost upward.
A high-value home should be insured to the cost of rebuilding the structure, not its market value, because market value includes the land.
When admitted carriers pull back near the hills, options include specialty wildfire markets, surplus lines, or a FAIR Plan policy wrapped with difference-in-conditions (DIC) coverage.
Surplus lines insurers aren't members of the California Insurance Guarantee Association, so CIGA won't pay claims if a surplus lines insurer becomes insolvent.
A home held in a trust can be insured, with the trust and trustees named on the policy the way title is held.

By Sam Alishahi · CA Insurance License #4348151 · Reviewed November 2026 · How this page is researched

Get a Quote Call (877) 711-4545

Who it’s for

When a standard policy isn’t built for the house

Standard homeowners policies are designed around typical houses. Custom construction, high-end finishes, art and collections, household staff and multiple properties are where their limits and exclusions start to show.

A high-value program is written around those exposures, usually with open-perils coverage on the home and contents, higher liability limits, and claims handling that expects custom work.

DwellingReplacement cost, often with extended replacement cost above the limit for post-disaster price spikes.
Other structuresGuest houses, walls, pools and hardscape, at limits that reflect what they cost to replace.
Contents and valuablesBroad coverage for belongings, with jewelry, art, wine and collections scheduled so they’re valued properly.
Additional living expensesHousing at a comparable standard while the home is repaired or rebuilt.
LiabilityHome liability coordinated with an umbrella sized to what you own.

Where high-value homes get stuck

The problems I’m called for

Non-renewed near the hills

When admitted carriers pull back, I go to specialty wildfire markets, surplus lines, or a FAIR Plan policy wrapped with difference-in-conditions coverage. FAIR Plan and DIC coverage

Insured to the wrong number

Assessed value and sale price say little about rebuild cost. I work from an estimate built on the home’s actual construction and finishes. See details

Owned in a trust or LLC

The named insureds need to match how title is held, or a claim can be questioned on a technicality.

Vacant during a remodel

Many homeowners policies restrict coverage when a home is empty or under major renovation. There are policies built for that period. Vacant home insurance

Too large for admitted markets

Homes beyond admitted carriers’ limits are placed through surplus lines and Lloyd’s, with the required diligent search documented.

Earthquake left out

Standard policies exclude earthquake. For a custom home, separate earthquake coverage is a decision worth making deliberately. Earthquake insurance

Before you call

What underwriters will ask

Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.

Start the Quote Form

The basics: address, year built, square footage and construction type.
Roof and systems: roof material and year, plus updates to electrical, plumbing and heating.
Wildfire exposure: distance to brush, defensible space and any ember-resistant upgrades.
Protection: fire sprinklers, monitored alarms, gated access and distance to a hydrant.
Occupancy and ownership: primary or secondary home, rented or not, and whether it’s held personally, in a trust or in an LLC.
History: claims in the last five years and any non-renewal or cancellation notice.

How a wildfire moratorium reaches your policy

Insurance Code 675.1(b) bars an insurer from canceling or non-renewing a residential policy in effect when a state of emergency is declared, in any ZIP code within or adjacent to the fire perimeter, for one year, when the only basis is that a wildfire occurred in the area. It reaches your home only once its ZIP code is named:

CAL FIRE, in consultation with the Office of Emergency Services, determines the fire perimeter and sends the data to the Insurance Commissioner.
The Commissioner issues a bulletin listing the ZIP codes, and may add more in a supplemental bulletin.
CDI posts each bulletin online. Bulletin 2026-6, for example, lists 22 ZIP codes around the Gann Fire in Calaveras County, starting with the August 6, 2026 declaration; Bulletin 2025-1, amended January 17, 2025, listed those for the Palisades, Eaton and other January 2025 fires in Los Angeles and Ventura Counties.

No damage is required. CDI says the protection applies to policyholders with less than a total loss, including those with no loss.
Notices already sent can be undone. Bulletin 2026-6 requires insurers to offer to rescind wildfire-risk notices issued on or after the declaration and to reinstate or renew those policies.
Exceptions remain. Under 675.1(c), it does not apply to willful or grossly negligent acts that materially increase the risk, unrelated losses that make the risk ineligible, or changes beyond the fire damage that make the property uninsurable.

If your ZIP code is listed and you got a wildfire-risk notice, CDI says to ask the insurer to reinstate the policy and, if it refuses, to file a Request for Assistance.

What the Sustainable Insurance Strategy changed

Two Sustainable Insurance Strategy regulations tie an insurer's rate tools to a written promise to insure wildfire-distressed areas.

The wildfire catastrophe modeling regulation (10 CCR 2644.4.5 and 2644.4.8, operative December 12, 2024). An insurer may base the wildfire part of its residential rates on a catastrophe model only if it makes and keeps the commitments in 2644.4.8. The model must incorporate the best available science on risk mitigation at the property, community and landscape scales.
The Net Cost of Reinsurance in Ratemaking Regulation (10 CCR 2644.25.1, operative January 13, 2025). For wildfire, flood and fire following earthquake, the cost of reinsurance can be considered in rates only if the insurer meets the regulation's own commitments.

The commitment: within two years of rate approval, write in distressed areas at least 85% of the insurer's statewide market share, or grow distressed-area exposures by at least 5%; under the reinsurance rule, 5% increases continue every two years until 85% is met. An insurer already at 85% commits to hold that level.

Distressed areas are undermarketed ZIP codes, which at least partly overlap a CAL FIRE high or very high fire hazard severity zone and either have at least 15% of insured homes on the FAIR Plan or meet a premium-and-income test, plus counties at or above the 50th percentile of California counties for structures at high or very high wildfire risk. The Commissioner updates both lists by bulletin at least yearly. A FAIR Plan home the insurer rates moderate to very high wildfire risk also counts.

If your ZIP code is listed or you're on the FAIR Plan, I re-market at every renewal. If the answer is still no, compare the FAIR Plan and surplus lines routes.

The ten Safer from Wildfires steps, as CDI lists them

CDI's Safer from Wildfires framework, created with the state's emergency response and readiness agencies, has three layers of protection (the structure, the immediate surroundings and the community) and ten steps, in CDI's order:

Class A fire-rated roof. CDI says most roofs qualify, including asphalt shingles, concrete, brick or masonry tiles, and metal shingles or sheets; wood shake shingles are not Class A rated.
A 5-foot ember-resistant zone, including fencing: no greenery, stone or decomposed granite instead of wood chips, and metal instead of wood fencing that connects to the house.
Ember- and fire-resistant vents, screened with 1/16 to 1/8 inch noncombustible, corrosion-resistant metal mesh.
Six noncombustible inches at the bottom of exterior walls, measured from the ground and from any attached horizontal surface such as a deck.
Enclosed eaves with soffits; noncombustible or ignition-resistant materials are recommended.
Upgraded windows: multi-paned glass or added shutters.
Vegetation, weeds and debris cleared from under decks.
Combustible sheds and other outbuildings removed to at least 30 feet, including gazebos, ADUs, open covered structures with a solid roof, dog houses and playhouses.
Defensible space that complies with state and local law.
Being safer together: a Firewise USA site or a Fire Risk Reduction Community certified by the California Board of Forestry and Fire Protection.

The modeling regulation above also requires models to account for mitigation. I send underwriters invoices and dated photos for each completed step; my wildfire insurance checklist covers the paperwork.

Before you sign a surplus lines disclosure

When a home goes to a nonadmitted insurer after the diligent search of admitted carriers, Insurance Code 1764.1 adds a step on paper.

A signed, freestanding notice. When a new application is accepted (renewals excluded), you sign a disclosure printed in boldface 16-point type on its own page. The same notice appears on the front page of the policy.
What it says. The insurer is a “nonadmitted” or “surplus line” insurer. It is not subject to the financial solvency regulation and enforcement that apply to California insurers, and it does not participate in any of the state's insurance guarantee funds, so those funds will not pay your claims if it becomes insolvent. The notice points you to CDI's List of Approved Surplus Line Insurers (LASLI).
If the notice is missed. If you never received and signed it, you may cancel pro rata and get back any broker's fee. If coverage had to start within two business days and the notice reached you afterward, you may cancel within five days of receiving it. The broker keeps your signed copy at least five years.

What I check with you: whether the insurer is on LASLI, whether it is a U.S. insurer from another state or a non-U.S. insurer on the NAIC's International Insurers Department listing, and how its policy form compares line by line with the admitted or FAIR Plan and DIC option.

Questions

High-value homes, answered

Is luxury home insurance different from regular homeowners insurance?

Usually, yes. Luxury and high-value homes in Los Angeles are often written by specialty carriers, with coverage built from the full cost to rebuild, higher limits for belongings and liability, and options such as extended replacement cost, depending on the carrier. I shop the admitted and specialty markets that write these homes.

What counts as a high-value home?

There isn’t one cutoff. Rebuild cost, construction and what needs to be covered matter more than the sale price. This practice focuses on homes from about $3M in rebuild cost upward.

Should I insure my home for its market value?

No. Market value includes the land, which doesn’t need rebuilding. Insure to the cost of rebuilding the structure with comparable materials and labor, which can be higher or lower than the sale price.

Is a surplus lines policy as safe as an admitted one?

Coverage can be broad, but surplus lines insurers aren’t members of the California Insurance Guarantee Association, so CIGA won’t pay claims if the insurer becomes insolvent. I explain that trade-off in writing before you choose.

Can you insure a home held in a trust?

Yes. The trust and trustees should be named on the policy the way title is held, so there’s no question about who is insured.

Does California's wildfire moratorium apply to HOA and condo association policies?

Since January 1, 2026, Insurance Code 675.55 extends the one-year moratorium to commercial property policies, including those for homeowners associations, condominium associations and condominium complexes, as CDI's Bulletin 2026-6 quotes. Condo unit owners' and renters' policies fall under the residential rule in 675.1.

Can a surplus lines insurer non-renew my home during a wildfire moratorium?

Not for wildfire risk in a listed ZIP code. CDI's bulletins, such as 2026-6, bar admitted and non-admitted insurers alike from wildfire-risk cancellations or non-renewals there for one year from the declaration, subject to the exceptions in Insurance Code 675.1(c).

Do you offer high-value homeowners insurance outside California?

Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in all 50 states and Washington, DC and places policies there directly. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state or high-value home insurance by state.

Official sources

Often placed alongside this

Guide

Non-renewed in a fire zone?

What your notice means and what to do before your policy expires.

Read the guide Data

High-value home insurance by state

Catastrophe exposure, wind deductibles and last-resort limits for expensive homes in every state.

See every state Coverage

Umbrella insurance

Liability limits above your home, auto and rental policies.

See coverage Question

How much does it cost to rebuild a home?

Replacement cost vs market value, and what extended replacement cost adds.

Read the answer

Questions people ask: Who insures homes in wildfire areas in California? My homeowners insurance wasn’t renewed. What now? How much does it cost to rebuild a home in California? Guaranteed vs extended replacement cost: what’s the difference? What is a cash settlement option on a homeowners policy? What is ordinance or law coverage, and why do older or expensive homes need it? How do you insure a home owned by a trust or LLC? Admitted vs surplus lines insurance: what is the difference? What is a FAIR Plan and which states have one? What is a hurricane, named-storm or wind/hail deductible? How much dwelling coverage do I need? What is California’s Safer from Wildfires discount? How do you insure an older home in California? HO-3 vs. HO-5: What’s the difference?

Also covered with this: How do you insure jewelry, art and collectibles? High-value home insurance in Beverly Hills Do you need excess flood insurance on an expensive home? What is a FORTIFIED roof and does it lower insurance costs? Watch insurance How much umbrella insurance do high-net-worth households need? Fine art and collectibles insurance Jewelry and valuables Vacant and renovation Life insurance

By state: Insurance requirements by state High-value home insurance by state

High-value homes

Send the address. I’ll take it from there.

Your current declarations page and any renewal or non-renewal notice help, but they aren’t required to start.

Get a Quote Call (877) 711-4545

Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).

Did you know?

A short video from Sam

Video thumbnail: Rebuilding to today's codes may not be fully covered — **Did you know?** Rebuilding to today's codes may not be fully covered

Under a minute each. Videos use an AI-generated version of Sam’s likeness and voice. General information only; coverage depends on your policy.

Get a quote

Tell me how to reach you. I’ll take it from there.

Takes about 30 seconds. Your next step comes by email, and you get an update at every step until your quotes are ready.

(877) 711-4545

Answered 24/7 · CA License #4348151

Full name

Mobile phone

ZIP (optional)

Anything I should know? (optional)

Only your name, phone and email are required; every question here is optional. This is a request for insurance: Alishahi Insurance (Saman Alishahi, licensed insurance agent) will contact you about it by email, and by text if you check the box. Sending this form doesn’t bind coverage; coverage starts only when it’s confirmed in writing.

Not shopping yet?

Get a reminder before your renewal.

Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.