Mirror Edge

High Risk Insurance Coverage
For California

Welcome to Tough To Cover. We have been providing High Risk Homeowners Insurance for more than 10-years here in Cal

Our agency owner, Mike Gourley, has more than 30-years of experience in the insurance industry. If you have “Tough To Cover” insurance needs, we’re your one-stop-shop agency. We offer outstanding customer service throughout the entire state of California.

Tough to Cover Values

We are a group of agent advisors that firmly believes in integrity, honesty and reliability. We provide personalized service to each and every client. When you call Tough to Cover, you’ll get a real person on the phone that cares about your needs.

Insurance Quote

Coverage We Offer

High Risk Insurance Coverage For California

High Risk Homeowners’
Situation in California

There’s no denying that California is a dream location in which to live. People come from all over the world to live and do business here; and the individuals that don’t are certainly envious. From beautiful beaches, to lush green forests, and perfect temperatures, California really does have it all. It’s perfect; except for the fact that getting a homeowners’ insurance policy is becoming more and more difficult in some areas of the state. This fact is making it more challenging than ever before to live here.

Read More

Tough To Cover Makes Getting
High Risk Insurance

Tough to Cover has been helping Californians insure their high risk properties since 2007. We make getting affordable coverage for your home possible. Our mission is to protect you and your family from an unexpected disaster by providing affordable and comprehensive coverage. We are confident that every policy we write will give you the affordable coverage that you and your family need. We will never leave you in the lurch without the proper policy for your home, and we are available 24/7 to address all of your insurance…

Read More

High RiskWorkers’
Compensation Insurance

Are you a California business owner in a high risk industry such as construction, trucking, or manufacturing? If you need business owners’ high risk workers’ comp insurance, we are your insurance agency. Our agent advisors are experienced in finding the best workers’ compensation insurance policies at the right price, no what the industry is. We want to help protect California businesses.

Read More


Tough to Cover is the leading high risk insurance specialist in the state of California. Our experts will provide you with a free quote in minutes that meets your needs. We don’t sell any pre-packaged plans for the masses. Tough to Cover agents can answer all of your questions and get you set up to go with our easy and quick insuring process. Call us now for a fast, free quote. 1-866-923-7354

Read More