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 needs and questions.
At Tough to Cover, high risk insurance is our specialty. We don’t do easy. Tough to Cover specializes in negotiating comprehensive, affordable coverage for high risk properties, including homes in disaster zones, secondary homes and investment properties. When other insurance companies say NO or dish out completely unaffordable quotes, we are here to help. We will always find a way to assist you in all of your high risk insurance needs.
You may be wondering how we deliver such great service and affordable rates on high risk insurance policies. Tough to Cover finds the lowest rates and most comprehensive coverage using state-of-the-art underwriting and pricing technologies. This technology allows our agents to shop for A Rated (A.M. Best) insurers with the lowest rates and best overall coverage. Our process is streamlined to provide you with a quote in 5 minutes, and we require very little personal information to do so.
No matter if you have existing or previous claims on your property, we can still get you covered at the right price. Even if you’ve been turned down or non-renewed, we have a reasonable plan that will meet your needs.