Stand Insurance Wildfire Insurance Review
The physics-modeled insurtech built to insure the high-value wildfire homes others won’t.
Reviewed by Tom Hunt, Wildfire Risk Expert
Editorial independence: This is an independent review compiled from public information. FireRisk.ai is not affiliated with, endorsed by, or paid by Stand Insurance, and earns no commission from Stand Insurance. Any ratings, prices, or performance figures are attributed to their source and have not been independently verified by us — always confirm current details directly.
Founded
2023
Headquarters
San Francisco, California
Financial strength
See note
Channel
Specialist / non-standard
A venture-backed wildfire insurtech that surpassed $1 billion in insured value in its first year; raised ~$30M to launch and a $35M Series B (led by Eclipse) in October 2025.
FireRisk.ai rating
Our editorial scores for a wildfire-exposed home — appetite weighted heaviest. Not a financial rating; not carrier-supplied. See how all carriers rank →
Wildfire appetite & overview
Stand is a wildfire-first insurtech founded by a team from Metromile, Policygenius, and HotelTonight that targets exactly the homes the market abandoned: high-value ($2M–$10M) properties in severe wildfire country. Instead of redlining a ZIP, Stand runs physics-based wildfire simulations — combining remote-sensing data with homeowner-supplied details (window materials, roof, surrounding tree species) to model how wind, heat, and embers would attack the specific structure. Coverage and price are tied to resilience: harden the home (or add an active-defense system) and Stand can write — and price — risk that standard carriers simply decline. It became one of the most-watched names in wildfire insurance after the January 2025 Los Angeles fires.
On financial strength: Stand underwrites and services the policies, which are issued by Concert Specialty Insurance Company (AM Best A- "Excellent") and reinsured by A/A+ reinsurers including Arch, RenaissanceRe, Hannover Re, Nephila, and Hiscox. Confirm the issuing carrier and its rating on your quote.
Physics-based hardening + Frontline Wildfire Defense
Stand simulates a home’s survivability under fire, ember, and wind exposure and ties coverage and premium directly to mitigation. Its partnership with Frontline Wildfire Defense means homeowners who install Frontline’s exterior defense system get a Stand assessment modeling survivability with and without it — potentially unlocking coverage and risk-adjusted premiums that weren’t otherwise available.
Claims & customer satisfaction
As a 2023-founded entrant, Stand has no long claims history or J.D. Power ranking yet. It leans on A-rated issuing-carrier paper (Concert Specialty) plus a reinsurance panel of A/A+ names (Arch, RenaissanceRe, Hannover Re, Nephila, Hiscox), and a published resilience-first underwriting model.
Strengths
- +Purpose-built for high-value wildfire homes other carriers decline
- +Physics-based, structure-specific modeling rather than blanket ZIP redlining
- +Coverage and premium reward documented home hardening
- +Issued by Concert Specialty (AM Best A-) with a strong A/A+ reinsurance panel
- +Frontline Wildfire Defense partnership for active exterior protection
Watch-outs
- –Built for $2M–$10M homes — not median-priced properties
- –Young company (founded 2023) with a short claims track record
- –Issued through a partner carrier, not Stand’s own balance sheet
- –Limited geography today (California; expanding to Florida)
Coverage highlights
Exclusions & limitations
Items that a standard homeowners policy — including Stand Insurance's — typically does not cover. Verify with your agent before binding.
- ✕Land and soil — the value of the land beneath your home is never covered; only the structure and its contents.
- ✕Vehicles — cars, trucks, and other motor vehicles are covered by your auto policy, not your home policy, even if destroyed in a wildfire.
- ✕Jewelry, art, and collectibles above sub-limits — standard policies cap payouts for valuables; a scheduled-property rider or floater is required for full value.
- ✕Business property and equipment — commercial inventory, business computers, and tools kept at home are typically excluded or capped.
- ✕Flood damage — water used to fight a wildfire (aerial drops, hydrant streams) can cause significant structural damage that a standard fire policy does not cover; a separate flood or DIC policy is needed.
- ✕Ordinance or law upgrades — if local codes require upgrading electrical, plumbing, or structural systems during a rebuild, those costs may not be covered without an ordinance-or-law endorsement.
Stand Insurance-specific note
Because Stand Insurance uses a managing general agent, reciprocal-exchange, or surplus-lines structure, the coverage form, sub-limits, and exclusions may differ from standard admitted policies. Read the declarations page and policy jacket carefully and ask specifically which carrier is issuing the policy and what its exclusions are.
Mitigation discounts & what saves you money
These are the hardening steps most widely recognized across the wildfire insurance market — including by Stand Insurance where applicable.
Stand Insurance program highlight
Physics-based hardening + Frontline Wildfire Defense — Stand simulates a home’s survivability under fire, ember, and wind exposure and ties coverage and premium directly to mitigation. Its partnership with Frontline Wildfire Defense means homeowners who install Frontline’s exterior defense system get a Stand assessment modeling survivability with and without it — potentially unlocking coverage and risk-adjusted premiums that weren’t otherwise available.
- Class A roof: The highest fire-resistance rating for roofing materials — one of the most impactful factors in wildfire underwriting and pricing.
- Defensible space: Clearing and maintaining at least 30–100 feet of vegetation around the structure; required by law in many states and rewarded by virtually every carrier.
- Firewise USA community: Homes in NFPA-recognized Firewise communities often qualify for a documented discount at several carriers (USAA, AAA/CSAA, and others).
- Ember-resistant vents and screens: Vents are a primary ember-entry point; 1/8-inch or finer metal mesh screens meaningfully reduce ignition risk and are a common underwriting credit.
- Ignition-resistant siding and windows: Non-combustible or ignition-resistant exterior cladding and dual-pane or tempered-glass windows reduce heat and ember vulnerability and signal a hardened home to underwriters.
See also: how to improve your odds of being written — the Stand Insurance-specific steps are in the qualifying section below.
What it costs
Premium-priced, as the high-value E&S wildfire segment is — but explicitly risk-adjusted. Because price is tied to a structure-specific model, documented hardening can materially lower the premium and, in many cases, unlock coverage that no admitted carrier would offer at all.
How to improve your odds of being written
- 1Own a higher-value home ($2M–$10M) in an eligible area (California; Florida expanding)
- 2Provide structure details (roof, windows, surrounding vegetation) for the model
- 3Harden the home — and consider an active-defense system like Frontline — to unlock coverage and a lower premium
How to apply — step by step
The typical process for getting Stand Insurance coverage. Exact steps vary by state and distribution channel.
- 1Get a quote online or through an agent. Stand Insurance sells through agents — find a Stand Insurance-appointed agent in your area and request a homeowners quote, or visit the carrier's website if online quoting is available.
- 2Provide your home details. Be ready with your home's square footage, year built, roof type and age, construction material, distance to the nearest fire station, and any hardening features (ember-resistant vents, defensible space clearance, Class-A roof, ignition-resistant siding). More detail means a more accurate quote and fewer surprises at underwriting.
- 3Schedule an inspection if required. Higher-value homes and high-hazard ZIPs commonly trigger an in-person or virtual inspection before coverage is bound — especially at Stand Insurance. Have documentation of recent upgrades (permits, photos, receipts) ready to share.
- 4Review, then bind coverage. Read the declarations page carefully: confirm your dwelling limit covers a full rebuild at current labor and material costs, check the loss-of-use and personal-property sub-limits, and ask about any wildfire-specific exclusions or endorsements. Once you're satisfied, pay the first premium installment and your coverage is in force.
Recent developments
What's changed lately — dated so you can judge how current it is.
Launched its California homeowners product for high-value, wildfire-exposed homes other carriers had stopped writing.
Drew national attention during the Los Angeles wildfires as high-value homeowners scrambled for hard-to-place coverage.
Closed a $35M Series B (led by Eclipse) and announced expansion into Florida; surpassed $1B in insured value.
Best for
Owners of high-value ($2M–$10M) wildfire-exposed homes — especially in California — who have hardened, or will harden, the property.
How to get a quote
Direct at standinsurance.com (and through partners), focused on high-value California homes, with expansion into Florida underway.
Bottom line
For a high-value home in wildfire country that standard carriers have dropped, Stand is one of the most innovative options in the market — it prices and rewards resilience instead of just declining you. Weigh the short track record and confirm the issuing carrier, but for the $2M–$10M wildfire segment, Stand is a genuine breakthrough.
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Stand Insurance wildfire insurance FAQ
Does Stand Insurance cover homes in high fire-risk areas?
Stand is a wildfire-first insurtech founded by a team from Metromile, Policygenius, and HotelTonight that targets exactly the homes the market abandoned: high-value ($2M–$10M) properties in severe wildfire country. Instead of redlining a ZIP, Stand runs physics-based wildfire simulations — combining remote-sensing data with homeowner-supplied details (window materials, roof, surrounding tree species) to model how wind, heat, and embers would attack the specific structure. Coverage and price are tied to resilience: harden the home (or add an active-defense system) and Stand can write — and price — risk that standard carriers simply decline. It became one of the most-watched names in wildfire insurance after the January 2025 Los Angeles fires.
Is Stand Insurance financially strong enough to pay a wildfire claim?
Stand underwrites and services the policies, which are issued by Concert Specialty Insurance Company (AM Best A- "Excellent") and reinsured by A/A+ reinsurers including Arch, RenaissanceRe, Hannover Re, Nephila, and Hiscox. Confirm the issuing carrier and its rating on your quote. Confirm the actual underwriting company and its current financial-strength rating before buying.
Who is Stand Insurance best for?
Owners of high-value ($2M–$10M) wildfire-exposed homes — especially in California — who have hardened, or will harden, the property. For a high-value home in wildfire country that standard carriers have dropped, Stand is one of the most innovative options in the market — it prices and rewards resilience instead of just declining you. Weigh the short track record and confirm the issuing carrier, but for the $2M–$10M wildfire segment, Stand is a genuine breakthrough.
What does Stand Insurance cover in a wildfire?
A standard Stand Insurance homeowners policy covers direct fire and smoke damage to the dwelling structure, attached structures (like a garage), personal property inside the home, and loss of use — meaning additional living expenses if you're displaced by an evacuation order or because the home is uninhabitable. Debris removal is typically included, though it may be a sub-limit. Always confirm the specific endorsements and coverage limits on your quote, as policy terms vary by state and product.
How do I qualify for Stand Insurance's best wildfire rate?
The biggest factors that influence your rate and eligibility with Stand Insurance are your home's location (ZIP-level wildfire hazard score), the construction type and age of your roof, the amount of defensible space you maintain, and whether your home has ember-resistant vents, ignition-resistant siding, and dual-pane or tempered windows. Documenting and demonstrating those hardening steps — and mentioning any Firewise USA community membership — will put you in the best position for the lowest available rate. Bundling auto with home is also a common discount where Stand Insurance offers both.
What's not covered by Stand Insurance's standard policy?
Like almost all homeowners policies, a standard Stand Insurance policy does not cover land value, vehicles (covered by auto insurance), flood damage including water dropped or pumped during firefighting, or jewelry and art above sub-limits without a scheduled-property endorsement. Business property and ordinance-or-law rebuild upgrades may also be excluded or capped. If you're pairing Stand Insurance with a California FAIR Plan, add a Difference-in-Conditions (DIC) policy to fill the liability, water, and theft gaps.
Disclosure: This is an independent, research-based editorial review. FireRisk.ai is not affiliated with, endorsed by, or acting on behalf of Stand Insurance. The company name and any AM Best rating are used for identification and comparison only. This is not insurance or financial advice, and we are not a licensed insurance agency. Availability, appetite, ratings, and pricing change and vary by ZIP and home — verify everything directly with the carrier before purchasing. We may be compensated when you request quotes through a partner.