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High Value and High-Risk Homeowners Insurance in Northern California in Campbell, CA and San Jose, CA

Building Protection for Northern California Residents with High Net Worth or High-Risk Homes

A home symbolizes family, comfort, and security. It serves as a reflection of the individuals residing within its confines – from the exterior framework to the interior atmosphere. However, a home also symbolizes an investment. For some home owners in Northern California this investment may exceed the value insured under a standard homeowners insurance policy, or their home may be deemed a higher risk to insure due to location or previous claims.

At Coverage Plus Insurance, we specialize in safeguarding our neighbors with specialized home protection requirements.

How Do I Secure Hard-to-Place Home Insurance?

As an independent insurance agency, we can to truly cater to our clients first. We have strong relationships with a collection of established carriers and underwriters. After consulting with clients, we will pair customized coverage with a reliable insurance product courtesy of our carrier partners.

Events which result in impactful loss can be unexpected and costly. It’s important to be proactive about identifying the true worth of assets before an exposure to loss occurs. Whether dealing with storm damage or the aftermath of theft, the process of recovering and rebuilding after loss is more efficient with a plan in place.

Homeowners insurance tailored for high net worth clientele contains all the coverage offered under a traditional homeowners policy. The difference resides within the supplementary security supplied. A high value homeowners policy can ensure your home is rebuilt to its previous state or uncapped value – if extensive damage occurs.

Our agents have also had success placing coverage for higher risk homes, such as homes in brush areas, homes with prior claims in the last three to five years, and even homes on hillsides.

For individuals who own vacation homes and seasonal properties, we can even construct specialized policies that other agencies would not entertain.

For more information on the coverage options available, please contact our agency at your convenience.

Ever Consider, ‘Is High Value and High-Risk Home Insurance Available Near Me?’

Each home we insure is distinct, as are the clients who own them. We work one-on-one with these individuals to confirm their expectations are exceeded. Service continues long after the policy purchasing process with our agents serving as a first point of contact.

Don’t let your wealth of assets remain unprotected from risk. We often discover individuals are paying for coverages that are not fully securing their high-value and high-risk assets. If you’re ready to begin building an appropriate homeowners policy, request a quote.

Additional Resources:

  1. Insurance Information for California Residents (California Department of Insurance)
  2. Details Regarding Homeowners Insurance (Insurance Information Institute (III))
  3. Homeowners Insurance Purchasing Guide (The National Association of Insurance Commissioners (NAIC))

At Coverage Plus Insurance Agency, we are proud to provide high value and high-risk homeowners insurance for all of Northern California, including The Santa Cruz area and Hills, Felton, Ben Lomond, Aptos, Scotts Valley, Campbell, San Jose, Los Gatos, Cupertino, Sunnyvale, Saratoga, and more. We are licensed to write policies throughout the state of California. 

Our Location

Coverage Plus Insurance Agency

750 E McGlincy Lane, Suite 109
Campbell, CA 95008
Main office: 408-728-8380
Fax: 408-626-7676

Our Providers


I have been using the Coverage Plus Insurance Agency, where Chris is the owner and broker. He is very knowledgeable and knows the insurance market well. Chris has always been recommending the best possible product for my situation, finding a great balance maximizing coverage and minimizing cost, without compromising integrity. Chris recommended an insurance company that puts the customer first, provide excellent service at a reasonable price AND is financially viable, which is very important these days. I would definitely recommend Chris and the Coverage Plus Insurance Agency for your insurance needs.

Jesper S
The first time Chris surprised me was when he achieved the unthinkable: obtaining reasonable cover at very affordable prices when I first moved to the US and had virtually no credit and driving history here (apparently, having driven for 25 years+ does not count). Not content with that, he managed to improve coverage, at lower rates, as soon as was feasible – despite my having previously believed that “affordable coverage” and “Porsche” would never go into the same sentence. Ever since, I’ve been assisted very promptly whenever I had a query / claim, and he’s definitely succeeded in making me feel like I’m his only client – which I very much trust not to be the case, as I wish him and Coverage Plus every success.

Marco M
After exhausting research and numerous phone calls with auto insurance companies, I was referred to Chris’s services by a friend. I got an email from Chris requesting a few details about myself and the car I needed insurance for, and shortly after replying to it, I received a very well priced quote with full coverage. With a few customizations I was able to get an awesome deal for literally half the price I was paying at the moment, I immediately called my current company and cancelled and switched to the policy Chris suggested. All of this was done over email within a few hours, I truly enjoyed doing business with Chris and definitely recommend anyone looking for a fast and easy way to get the best deals in auto insurance.

Nikhil I
Chris has taken care of all of my insurance needs for many years now. He is extremely knowledgeable and always considers the overall scenario before recommending a policy. My company switched to his recommendations on Corporate policies and we have saved quite a bit in premiums. I have referred Chris to clients many times and the result is consistent, Chris did a great job for us. I can recommend Chris without reservation.

Rick S
Chris works incredibly hard, is always available and consistently responded to me faster than anyone else I contacted. He is knowledgeable and optimizes cost and all factors. I have taken 3 policies from him in one year of knowing him.

Parnian K
I have known Chris Robinson for over ten years. He is a true professional. I would recommend Chris for any business endeavor that requires trust, character and integrity. I consider him a valued member of my business network as well as a dear and valued friend.

Scott M
I have been one of your clients for one year now. I am writing you to express my appreciation for outstanding customer service Nora has always provided me during this time: Always prompt, courteous and extremely professional. As I was in corporate sales for over 25 years (Cisco, Google, etc), I appreciate and value the high quality service your organization provides. I am sure Nora's efficiency is a direct reflection of your leadership, so Congratulations Chris! You guys can certainly count on me as a loyal and appreciative client.

Paulo Duarte