California insurance in the hardest market in a generation.
Headquartered in Rancho Santa Fe. Writing throughout San Diego County and across California for existing clients with second homes and businesses statewide. Specialty in fire-mapped properties admitted carriers have walked away from.
San Diego County is where we live and work.
Our office is in Rancho Santa Fe — the Badger Building on La Granada, two blocks from the Inn. Most of our business comes from San Diego County families and businesses, with the deepest specialty in North County coastal and inland markets that California's 2023 brush-score remap reshaped overnight.
Explore San Diego County coverage →
Where else we write.
For existing California clients with second homes and commercial interests outside San Diego County, we coordinate statewide. Properties in Los Angeles, Orange County, Riverside County, and the Bay Area get the same shopping strategy: 30+ carriers, specialty E&S markets when the admitted market won't write, FAIR Plan wrap-around when needed.
Why California is hard right now.
Between 2023 and 2025, California's insurance landscape underwent its hardest contraction in a generation. State Farm stopped writing new homeowners. Allstate pulled back. USAA non-renewed thousands of fire-mapped properties. CalFire's 2023 brush-score remap moved most of the state into elevated risk tiers. The 2025 Palisades and Eaton fires made everything harder.
Yoshizumi Insurance Agency built specialty E&S market relationships specifically for this moment. See the press dossier →
Tell us a little about what you need to protect.
Send the basics and we'll come back with shopped quotes within 48 hours — same day if it's an escrow.