High Risk Insurance for Homeowners in California!

Tough to Cover Lines of Business

Home, car insurance, motorcycle, boat and recreational vehicle insurance for clients deemed high risk at a fair price. Tough to Cover has a team of agent advisors with over 30 years of experience in the insurance industry. We know the California insurance market and how to make it work for our clients. Our group of agent advisors will work to build you the right portfolio of insurance products. We believe in treating our clients like family and we won’t ever sell you anything that you don’t need. Our main objective as a business, is to serve the unique set of needs that each client brings to the table, and protect their families and their assets with the best insurance plans available in the marketplace.

What Makes You or Your Property High Risk?

If you are feeling down because you called another insurer for a quote and they told you that you are a high risk driver or your home is located in a high risk area, don’t be! For insurance companies, almost everyone is high risk! There are very few so-called low risk clients. Every time an insurer writes a new policy, they are taking a risk, and it is pretty much impossible to meet all of the conditions that would make you a very low risk client.

At Tough to Cover, we look at every client’s unique situation and tailor an insurance package to meet their needs at the lowest price possible. Getting you covered at a fair rate is our number one objective, and we always have our client’s best interest at heart.

High Risk Home Insurance

The entire state of California has become high risk for many insurers due to the variety of natural disasters that tend to strike in this great state. Earthquakes, forest fires, floods, and mudslides can strike at any minute, and as a responsible homeowner, you always do your best to be prepared. That means having homeowner’s insurance. Unfortunately, due to the acts of God that California is prone to, it can sometimes be difficult to get coverage.

Tough to Cover offers comprehensive home insurance solutions. We try to plan for every possible contingency regarding your property and build an insurance package that provides you with 100% coverage.

Using our streamlined technological services, we make the quote process efficient and getting you insured easy. The technology that we utilize requires very little information upfront to get you an accurate quote on high risk home insurance in the shortest time possible. We search for the best rates to protect you and your family.

High Risk Workers’ Compensation Insurance

If you’re a business owner or entrepreneur, you probably juggle a million tasks a day. Whether building a business from scratch, or trying keep a long-held family business thriving, you know that there are a variety of insurance obligations that you are required by law to meet. One of those required types of insurance is Workers’ Compensation insurance. Workers’ compensation insurance is designed to provide you the business owner and the employee with certain protections and guarantees. It keeps you out of court, and it covers the needs of the employee should they have an unfortunate mishap on the job. However, Workers Compensation insurance can be expensive for employers to provide, and difficult to obtain in some high risk industries. At Tough to Cover, we have the ability to do a comprehensive assessment of your business and find the best Workers’ Compensation insurance plan for you, the business owner. Whether you own a tree trimming company, a trucking company or a window washing company, Tough to Cover will find the right policy to protect your business.

High Risk Motorcycle Insurance

Let’s face it, most people see a motorcycle and automatically think “danger, danger!” Your mom probably always told you to stay away from motorcycles. But, who can resist the lure and freedom of a Sunday cruise on a motorcycle? Most insurers wish you could, and that’s why they designate motorcycles and their operators as high risk.

However, at Tough to Cover we have helped hundreds of clients find high risk motorcycle insurance at an affordable price. We like to leave cash in your wallet so you can enjoy those Sunday rides on your motorcycle.

Boat and ATV Insurance

Tough to Cover insures all of your weekend toys. Boats and ATVs are great vehicles to enjoy while spending time with the family on weekends and holidays. These are extras that you have probably saved and planned for; so insuring them should be worry-free. Tough to Cover is extremely experienced in this type of coverage, and we’ll make sure that you can relax and have a little fun.

Recreational Vehicle Insurance

Before you bought your recreational vehicle, your imagination about the places you would travel was unlimited. In an RV, you can go almost anywhere that is paved. Visit Alaska, Canada, Florida, New England.how about travelling the entire 49 states (minus Hawaii of course) in your RV? These are all great places to travel in the comfort and security of an RV.

A recreational vehicle is a big investment so you will want to make sure that you’ve got the proper amount of insurance to protect it. Whether you are spending your retirement traveling the United States in style or getting an early start in your RV on the weekends, we’ll get you covered in the best way possible. So relax, and enjoy the open road and the adventure that RV travel brings.

Claims Process

At Tough to Cover, we hope that you never have an unexpected accident or disaster; but we know the unexpected can happen at any moment. Whether it’s a minor fender bender or a total loss we will be here for you. Should an accident or disaster occur, our friendly agent advisors will be waiting to assist you and connect you with your insurer.

Call Today!

Call us today for a free high risk insurance consultation. Our experienced agent advisors are here to help and design the best insurance package to meet all of your needs.