Pebble Beach · Carmel Valley
Pebble Beach & Carmel Valley home insurance
Homes in Pebble Beach and Carmel Valley range from primary residences to second homes and estates, and many sit in wildfire-exposed areas that some carriers no longer write. As an independent agency in Carmel-by-the-Sea, we shop multiple carriers to find coverage that fits the home.
What we look at
- Replacement cost for the dwelling, based on today’s rebuilding costs
- Primary, second-home, rental or trust/LLC ownership
- Valuables such as jewelry, art and wine
- Liability limits and an umbrella policy
- Wildfire mitigation steps the carrier may credit, such as a Class A roof or defensible space
High-value and hard-to-place homes
For larger homes we quote high-value carriers. When the standard market says no, we look at non-admitted carriers and the California FAIR Plan paired with a DIC policy, and walk you through the trade-offs of each.
Buying a home?
If you’re in escrow, contact us early. We know the timelines lenders and escrow officers work to and can usually tell you quickly which options are available for the property.
Matt Menke · (831) 224-2141 · [email protected]
The Jeremy Carter Insurance Agency · 327 7th Ave, Carmel-by-the-Sea, CA 93921 · We reply same business day.
Coverage descriptions are general summaries. All coverage is subject to the terms, conditions, exclusions and underwriting of the policy issued. Jeremy Carter CA Lic. #4187910 · Matthew Menke CA Lic. #4476998.