Compare all eleven states, side by side.

How to read this

Market difficulty is how hard it is to place coverage in that state right now, driven mostly by catastrophe losses. Idaho and Utah are the most competitive markets in our footprint; California is the hardest, with reduced carrier participation, more nonrenewals, and heavy reliance on the FAIR Plan. The risk columns are relative across these eleven states, not a guarantee for any single property, because exposure depends on the exact location and the building.

What every state shares

A few things hold everywhere. Dwelling, liability, and loss of rental income are the core of any landlord policy. Flood is excluded from all of them and is always separate. Earthquake is excluded too, and matters most across the West. And an umbrella is the cheapest way to add real liability capacity, which is why it is worth carrying in every one of these states. The gaps a standard policy leaves and how a FAIR Plan fits are the two ideas that travel across the whole table.

How we help multi-state owners

For an owner with property in more than one of these states, the value is in one place coordinating it all: comparing coverage and cost across markets, addressing wildfire, flood, hail, and earthquake exposure where each one bites, protecting rental income, and catching coverage gaps before a claim rather than after. A coverage review is where that starts.