When Home Insurance Gets Hard, We Get to Work.
California’s home insurance market has never been tougher. We shop every option for your home, explain the trade-offs in plain language, and keep working for you after the policy is written.
WHY GOLD INSURANCE SOLUTIONS
One agency. 40+ carriers.
We search over 40 key carriers, admitted and non-admitted. We shop admitted carriers first, starting with Mercury, our top carrier in the California home insurance market, and use the California FAIR Plan with a DIC policy only as a backstop.
Realtors and lenders
Send any address to quote@gold.insure and get an insurability answer within 1 business day, before your buyer writes the offer.
Homeowners
Book a free Wildfire Insurability Walk-Through or quote online. We reply to every request the same business day. If your home needs more shopping or an underwriter’s review, we’ll tell you that day and keep you posted until you have options.
OUR SPECIALTY
Placing Homes in California’s Toughest Market
Carriers are pulling back, prices are moving, and many homeowners are being told no. Home insurance is where we spend most of our day, and it’s where an independent agency makes the biggest difference.
That’s Gold Insurance Solutions.
Every Option, Explained
We check admitted carriers, non-admitted carriers and the California FAIR Plan, then walk you through the pros and cons of each.
We Keep Shopping for You
If the FAIR Plan or a non-admitted carrier is your best option today, we keep re-marketing your policy until a competitive admitted carrier opens up.
Built Around the Home Sale
Fast, free quotes for Realtors, lenders and buyers, plus quick evidence of insurance for escrow, so coverage never holds up a closing.
WILDFIRE INSURABILITY WALK-THROUGH
Know where your home stands before a carrier decides for you. We review your property against carrier guidelines and validate your mitigation discounts. Free, in person. See what we check.
We work for you, not one insurance company.
As an independent agency, we’re appointed with many carriers, so our job is to find the coverage that fits your home and your budget, not to sell one company’s policy. We never charge a broker fee. Carriers pay us when you choose a policy, and we show you the options side by side so the choice is yours.
Admitted, non-admitted or FAIR Plan: how they compare
| Admitted carrier | Non-admitted (E&S) | FAIR Plan + DIC | |
|---|---|---|---|
| Rates filed with the CA Dept. of Insurance | Yes | No | FAIR Plan: yes |
| Backed by the state guaranty fund (CIGA) | Yes | No | Ask us |
| Coverage | Full homeowners policy | Often broad, terms vary | Fire policy plus a separate DIC for the rest |
| When we use it | First choice | When admitted carriers decline | Backstop only |
Learn more: Who is writing new home insurance in California · How FAIR Plan + DIC works
ABOUT US
Meet the Team Behind Your Coverage
We’re an independent, multi-line agency serving homeowners, drivers and businesses across California. Our office is in El Dorado Hills, and we come to you for free Wildfire Insurability Walk-Throughs. You can also reach us by phone, email or video from wherever you are.
Phil Irwin
President
Priscilla Noble
Agency Operations Leader
Norma Espinoza
Client Service Team Lead
Don Nettleman
Transaction Team Lead
Patrick Hancock
Quote Team Lead
COMPLETE COVERAGE
Everything Else You Insure, in One Place
Already a client?
Policy changes, ID cards and renewals: team@gold.insure or the Client Portal.
Had a loss? Call us first.
We’re your quarterback through the claims process. How your first report of the loss is made matters, so we help you report it the right way, explain your coverage and support you with the adjuster until the claim is settled. Call (916) 235-3638.