Haymakers Insurance Agency — California & Florida
We are a licensed agency, not a call center. We read your policy the way an underwriter reads it, take it to the markets that actually write your risk — admitted, specialist, and excess & surplus — and stay on it until it is bound. Property, casualty, life, and health.
What we place
Most policies are not wrong on the declarations page — they are wrong three pages in, in the sublimits and the exclusions. That is where we read.
Replacement-cost coverage for coastal and foothill estates, plus the fine art, jewelry, wine, and liability tower that standard homeowners forms quietly cap.
Estate coverage →
Apartments, retail, industrial, office, and mixed-use — written so a lender's insurance requirements are satisfied without gutting your deductible structure.
Commercial coverage →
The acute California problem. Brush scoring, defensible space, Safer from Wildfires discounts, and the specialist markets still writing in high-severity zones.
Wildfire coverage →
The FAIR Plan is a last resort with real gaps — no liability, no theft, no water damage. We quote alternatives first, and build the DIC wrap when it is genuinely the only option.
FAIR Plan help →
D&O, E&O, EPLI, and cyber for operating businesses, boards, and the HOAs that run coastal communities.
Executive lines →
Term and permanent life, key-person and buy-sell funding, and accident & health — licensed lines we hold, not a referral to someone else.
Life & health →How it works
Email the dec pages and any non-renewal notice. That is genuinely all we need to start — no application, no credit pull, no obligation.
Replacement cost against dwelling limit. Coinsurance. Sublimits on the things that actually get claimed. Wildfire, water, and earth-movement exclusions. The liability tower and where it stops.
Admitted first when the risk qualifies, specialist and E&S when it does not. You see which channel each quote came from and what that means for you.
Binders coordinated with lenders and escrow so insurance never delays a closing — then a calendared review before the renewal, not a surprise notice after it.
What we find
Coastal and foothill rebuild costs moved hard. A limit set before that, escalated by a flat annual factor, is frequently short of what it would actually take to rebuild — and coinsurance turns that shortfall into a penalty on every partial loss, not just a total one.
A $1M underlying limit on an estate with a pool, a gate, staff, and teenage drivers is a rounding error against a serious bodily-injury claim. Umbrella capacity is cheap relative to the exposure and is the single most common thing we find missing.
Some post-2023 forms narrowed wildfire coverage rather than dropping it outright — a higher percentage deductible, a smoke-damage sublimit, or a brush-clearance warranty that voids the coverage if it is not maintained. It reads as covered until it is claimed.
Lenders demand specific limits and endorsements. It is common to see that solved by buying a larger policy rather than by adding the right endorsement to the existing one — the requirement is met and the premium is materially higher than it had to be.
The FAIR Plan covers fire. It does not cover liability, theft, water damage, or falling objects. Holding it without a difference-in-conditions policy behind it leaves most of a normal homeowners form uncovered — and many owners do not know that until a non-fire claim is denied.
Carriers are re-underwriting whole ZIP codes, not individual accounts. A clean loss history does not protect you. Reviewing before the notice arrives is worth considerably more than reacting after.
Free, confidential, and no obligation to move it. Most reviews come back within one business day.
Start a coverage reviewStart here
Tell us what you are insuring and where it stands. If there is a non-renewal notice or an escrow deadline, say so — those move to the front of the line.
Prefer to talk? Call or text (305) 990-2753 or email team@haymakersre.com
FAQ
Yes. Haymakers, Inc. does business in California as Haymakers Insurance Agency under California insurance license #6015336, qualified in Property, Casualty, Life, and Accident & Health. The agency is based at 10 E Yanonali St #134, Santa Barbara, CA 93101 and is also licensed in Florida (#G083894).
You send the declarations pages for the policies you already have. We read them line by line against the asset — replacement cost versus dwelling limit, coinsurance, sublimits, wildfire and water exclusions, deductible structure, and the liability tower above it. You get a written summary of what is covered, what is not, and where the exposure sits. There is no charge and no obligation to move the policy.
Send the non-renewal notice the day you get it. California requires most non-renewals to give 75 days' notice, and that window is the difference between a placed policy and the FAIR Plan by default. We start marketing immediately and, where a wrap is needed, quote the FAIR Plan and the difference-in-conditions policy together so you see the real combined cost before you commit.
No. Insurance is a standalone service and is never conditioned on using our brokerage or financing. Many clients do value having the sale, the loan, and the coverage handled by one team on one timeline, but the agency stands on its own.
Admitted carriers, specialist high-value and coastal programs, and excess & surplus (E&S) markets when the risk will not fit a standard form. Availability depends on the risk, the carrier, and the state; we tell you which channel a quote came from and what that means for policyholder protections.
