States we serve

We are licensed in 48 states, and the state a project sits in changes more of the file than most investors expect. Who licenses the trades, whether a general contractor needs a state credential at all, who issues the permit, what the standard property form leaves out, and whether there is anywhere to go when nobody in the standard market will write the house — all of it moves at a state line. Each page below is written from that state’s own agencies and forms. The body named beside each link is the regulator whose rules the policy answers to.

Alabama Alabama Department of Insurance
Arizona Arizona Department of Insurance and Financial Institutions
Arkansas Arkansas Insurance Department
California California Department of Insurance
Colorado Colorado Division of Insurance
Connecticut Connecticut Insurance Department
Delaware Delaware Department of Insurance
Florida Florida Office of Insurance Regulation
Georgia Office of the Commissioner of Insurance and Safety Fire
Idaho Idaho Department of Insurance
Illinois Illinois Department of Insurance
Indiana Indiana Department of Insurance
Iowa Iowa Insurance Division
Kansas Kansas Department of Insurance
Kentucky Kentucky Department of Insurance
Louisiana Louisiana Department of Insurance
Maine Maine Bureau of Insurance
Maryland Maryland Insurance Administration
Massachusetts Massachusetts Division of Insurance
Michigan Michigan Department of Insurance and Financial Services
Minnesota Minnesota Department of Commerce
Mississippi Mississippi Insurance Department
Missouri Missouri Department of Commerce and Insurance
Montana Office of the Montana State Auditor, Commissioner of Securities and Insurance
Nebraska Nebraska Department of Insurance
Nevada Nevada Division of Insurance
New Hampshire New Hampshire Insurance Department
New Jersey New Jersey Department of Banking and Insurance
New Mexico New Mexico Office of the Superintendent of Insurance
New York New York State Department of Financial Services
North Carolina North Carolina Department of Insurance
North Dakota North Dakota Insurance Department
Ohio Ohio Department of Insurance
Oklahoma Oklahoma Insurance Department
Oregon Oregon Division of Financial Regulation
Pennsylvania Pennsylvania Insurance Department
Rhode Island Rhode Island Department of Business Regulation, Insurance Division
South Carolina South Carolina Department of Insurance
South Dakota South Dakota Division of Insurance
Tennessee Tennessee Department of Commerce and Insurance, Insurance Division
Texas Texas Department of Insurance
Utah Utah Insurance Department
Vermont Vermont Department of Financial Regulation
Virginia State Corporation Commission Bureau of Insurance
Washington Washington State Office of the Insurance Commissioner
West Virginia West Virginia Offices of the Insurance Commissioner
Wisconsin Wisconsin Office of the Commissioner of Insurance
Wyoming Wyoming Department of Insurance

Cost guides, state by state

Every state above is paired with a cost guide for the same state. A guide does not quote a premium. It sets out the drivers a carrier weighs on a rehab there, in the order that state makes them matter, and then points back to the state page.