Save hundreds on premiums while maintaining the coverage your valuable home deserves.
Analyze Your Insurance Costs NowMost homeowners pay too much for inadequate coverage. PitiFi analyzes your current policy to find you better rates and proper protection.
Insurance is a crucial part of your monthly mortgage payment (PITI: Principal, Interest, Taxes, Insurance). Most homeowners don't realize they're overpaying by $300-$500 annually due to:
Many policies have outdated valuations or unnecessary riders.
Insurance companies count on your loyalty while gradually raising rates.
Most homeowners aren't aware of all eligible discounts.
Catastrophic events change policies for everyone, often resulting in silent premium increases and coverage limitations even for unaffected homes.
The average PitiFi user saves $520 per year on homeowners insurance. Our system analyzes your current coverage, compares quotes from top-rated carriers, and finds the optimal protection for your home's specific needs.
Our comprehensive database of insurance providers in California gives you the power to make informed decisions about your coverage.
| Insurance Provider | Online Quote | High-Value Homes | Restrictions |
|---|---|---|---|
| Chubb | No | Yes | Eligibility may be restricted based on home value |
| USAA | Yes | Limited | Military members, veterans, and their families only |
| State Farm | Yes | Limited | None explicitly mentioned |
| Progressive | Yes | Limited | None explicitly mentioned |
| Nationwide | Yes | Limited | Requires ZIP code for quote |
| Allstate | Yes | Limited | Requires Javascript |
| Liberty Mutual | No | Limited | Online purchase discount not available in CA |
| PURE Insurance | No | Yes | Designed specifically for high-value homes |
| AIG Private Client | No | Yes | Designed specifically for high-value homes |
| Cincinnati Insurance | No | Yes | Offers packages for higher-value homes |
| NatGen Premier | No | Yes | Designed specifically for high-value homes |
| Vault | No | Yes | Designed specifically for high-value homes |
Not sure which provider is right for your home? Let us analyze your insurance needs.
Get Your Insurance AnalysisPremium properties require specialized coverage that standard policies often can't provide.
High-value homeowners insurance offers enhanced protection, often including:
High-value home insurers typically provide concierge-level service:
Our analysis shows that 68% of high-value homes in California are underinsured by an average of $420,000. Let us help you ensure your coverage matches your home's true replacement value.
Wildfires have dramatically changed the insurance landscape in California, with many homeowners facing skyrocketing premiums or non-renewals.
California homeowners in wildfire-prone areas have seen premium increases of 300-500% in recent years, with some annual premiums exceeding $20,000.
Over 235,000 California homeowners had their policies non-renewed due to wildfire risk in recent years, forcing them into expensive FAIR Plan coverage.
Despite the crisis, specialized brokers can still find coverage with premium insurers who offer wildfire mitigation discounts and personalized solutions.
Let PitiFi guide you through a simple process to ensure you have the right coverage at the best price.
Share your current declarations page so we can analyze your existing coverage and identify potential gaps or overpayments.
Our proprietary algorithms compare your coverage against ideal parameters for your specific home value, location, and risk factors.
We present you with tailored coverage recommendations from top-rated carriers, highlighting potential savings and improved protection.
Choose your preferred option and we'll guide you through the implementation process, ensuring a seamless transition to better coverage.
Start Optimizing NowJoin thousands of California homeowners who have optimized their insurance coverage and saved an average of $520 per year.
While your Principal and Interest payments remain fixed with a fixed-rate mortgage, Insurance costs typically rise over time, increasing your total monthly payment.
With a 30-year fixed mortgage, your principal and interest payments remain constant throughout the loan term. However, insurance costs typically increase 3-7% annually, with significant jumps following catastrophic events.
Impact: By year 10, many homeowners are paying 50-70% more for insurance than when they started their mortgage.
A 15-year fixed mortgage has higher principal payments but shorter exposure to insurance rate volatility. Your P&I remains fixed, but you'll experience fewer years of compounding insurance increases.
Advantage: Lower lifetime exposure to insurance rate volatility, potentially saving thousands over the loan's lifetime.
With a 7/1 ARM, both interest and insurance components can change after the initial fixed period. This creates a double exposure to rising costs in later years.
Caution: Insurance premium increases combined with interest rate adjustments can create significant payment shock after the initial 7-year period.
Relatively stable period for California insurance markets. Fewer catastrophic events and more affordably priced coverage with broad availability.
A small grass fire reignited and spread rapidly through the Oakland and Berkeley hills, forever changing California's urban-wildland interface policies.
The costliest seismic disaster in U.S. history nearly bankrupted insurance companies and created California's earthquake insurance crisis.
Period of adjusting to earthquake insurance changes. Creation of California Earthquake Authority stabilized markets, though with reduced coverage and higher deductibles.
At the time, the largest wildfire in California modern history, which prompted the first major wave of insurance restrictions in wildfire zones.
Period of incremental market tightening. Gradual premium increases and tighter underwriting standards, especially in wildland-urban interface areas, but without major market disruptions.
Devastated parts of Napa and Sonoma counties, destroying whole neighborhoods in Santa Rosa and highlighting urban fire risk.
The deadliest and most destructive wildfire in California history, essentially destroying an entire town and causing the largest insurance crisis to date.
A historic lightning siege sparked multiple massive fire complexes simultaneously, stretching firefighting resources and burning across multiple counties.
Unprecedented flooding combined with wildfire concerns led major carriers including State Farm, Allstate, and Farmers to restrict new policies.
Current insurance recovery period with regulatory interventions. California Department of Insurance implementing temporary non-renewal moratoriums and attempting market stabilization measures.
Multiple fires driven by Santa Ana winds burn from mountains into densely populated areas, creating the most expensive urban fire loss in U.S. history.
Projected insurance market transformation period. Potential shift to parametric insurance models and public-private risk-sharing arrangements to address market failures.
Climate models predict extended drought conditions leading to multiple simultaneous large-scale fires across the state, overwhelming firefighting resources.
Projected federal intervention period. Potential development of national catastrophe insurance and climate resilience programs to address market instability.
Scientists project an atmospheric river sequence causing catastrophic flooding across Central Valley and coastal urban areas, potentially causing over $100 billion in damages.
Projected insurance adaptation period. Development of new types of climate-adapted resilience insurance products and community risk pooling models to address insurance gaps.
Seismologists project increasing probability of a major earthquake along the San Andreas fault by the mid-2030s, potentially exceeding Northridge in damages.
While you can't control catastrophic events or rising insurance costs alone, optimizing your coverage and understanding risks can help manage your monthly payment over time.
Analyze Your Insurance Options