Allstate does NOT underwrite new homeowner policies in CA anymore (at least not in san diego). As a result, my allstate agent uses other carriers.
Two insurance companies that he uses:
1. Universal Insurance North America http://www.uihna.com/en-US/
2. Tower/Integon National Insurance Company
I ended up going with UINA. I’m not in a fire hazard zone, so they also might not insure you, but you can try. I switched because I previously had a homeowner’s policy from Allstate along with umbrella. Unfortunately, the cost of umbrella shot up significantly and my liability coverage was drastically reduced so I switched over to a much better umbrella coverage for much less. I found out that left a gap in personal liability that my allstate primary policy didn’t want to provide (at least not at a reasonable price). So my agent quoted me for homeowner insurance using two underwriters he normally uses for everyone that wants new homeowners insurance. It turns on the price was almost the same, with better coverage than my previous allstate policy.
PM me if you want to contact my agent and talk to him.
