IF YOUR MOUNTAIN HOME JUST GOT NON-RENEWED, YOU’RE NOT ALONE
2026 has been a hard year for wildfire losses in Utah, and a lot of standard carriers have responded by tightening their maps — some have stopped writing entire canyon and foothill areas outright, non-renewals included.
When that happens, most agents are stuck. I’m not, because I work with an excess & surplus lines market built specifically for high-value properties in wildfire-exposed areas. If your home sits in a high wildfire hazard zone, this is usually the first place I look — and often the only place that can still say yes.
WHAT I ACTUALLY COVER
No inflated promises — here’s where your home actually fits
Access to an excess & surplus lines market built for high-value properties in wildfire-exposed areas — plus wildfire monitoring and mitigation resources through my carrier partner, not just a policy.
Dwelling coverage up to $5M with guaranteed replacement cost, liability well above standard $300K limits, and broader protection for jewelry, art, and other valuables than a standard policy offers.
Personal umbrella coverage up to $5M layered over your home and auto, plus coverage built for high-value and specialty vehicles that don’t fit a standard auto policy’s assumptions.
A REAL REVIEW, NOT A GUESS
Before I recommend anything, I look at the whole picture
Where You Sit
I check wildfire exposure and risk zone data directly — not a guess based on the county.
What You Own
Home value, vehicles, valuables, and where your current coverage has gaps.
What You’re Exposed To
Liability limits that make sense for your assets, not just the state minimum.
Which Carrier Fits
Shopped across multiple high-value and specialty markets, including options most agents don’t carry access to.
REQUEST A HIGH-VALUE
COVERAGE REVIEW
No pressure, no obligation — if your current coverage is already solid, I’ll tell you that too.
⚡ Request a Coverage Review
