Dwelling & structure
Replacement-cost coverage on the frame, bay windows, roof and systems, with extended ordinance coverage for pre-1906 flats brought up to code after a loss.
San Francisco mutual carrier
For the home
you have built.
Ashbourne writes homeowners and fire insurance the old way: an agent who knows your hill, an adjuster who answers at two in the morning, and a promise that the Edwardian you restored is the Edwardian we put back.
Reconstruction cost, not market value. In this city, the two are rarely close.No. 01
2001Writing policies since
A+A.M. Best financial rating
24/7Claims answered by a person
The protection ledger
Coverage written around your house, not a category.
Five core coverages, each line itemised in plain language before you sign — including the seismic line most carriers hand off to somebody else.
Fire, smoke & wildfire
Fire department service charges, smoke remediation on plaster and lath, and defensible-space endorsements for homes on the Oakland and Berkeley hills.
Earthquake & retrofit
Shake damage, masonry chimneys and foundation bolting, with a credit for completed soft-story retrofits and automatic building-code upgrades.
Contents & valuables
Scheduled coverage for art, instruments, bicycles and a cellar of wine that a standard policy caps. Inventory help before the loss, not after.
Condo, TIC & landlord
HO-6 walls-in coverage, TIC fractional interests, loss of rents under the rent ordinance, and loss assessment when the association bills the building.
No. 03 · Field film
What we put back when the fog lifts.
A quiet look at a Noe Valley hillside — timber frames, bay windows and a street we have written policies on for four generations.
Shot on the north slope, at dusk. No music, no voiceover — just the street.0:06
Bay Area, read properly
The city's houses are not standard. Nor is the policy.
From the Sunset to the Oakland hills, a Bay Area home is a set of specific risks: a garage holding up three floors, a chimney that predates the 1906 fire, a shared building with eleven owners and one policy. We underwrite those facts instead of averaging them away.
Soft-story & seismic
The first question we ask is whether the garage has been braced. Completed retrofits earn a credit; masonry chimneys are covered, not excluded.
TIC, condo, walls-in
HO-6 interiors, TIC fractional interests and loss assessment, read against your building's master policy before anything is bound.
Hills fire-zone
Brush clearance, ember-resistant vents and defensible space are priced into the policy rather than treated as fine print at renewal.
Four pillars
The quiet architecture of a promise.
I
Legacy
Three generations of Ashbourne agents have written policies from the same Montgomery Street desk. Our first policy, a flat on Judah Street, renews this spring.
II
Protection
An admitted California mutual with an A+ rating. Every policy is backed by the state guaranty fund and our own reserves, published annually.
III
Response
A claims adjuster takes your first call, at any hour. Emergency mitigation crews are on a truck in the Bay Area the same day, seven days a week.
IV
Restoration
We settle on reconstruction cost and send our own preferred builders, so the home you get back has the same bays, the same trim, the same stair rail.
They had a crew shoring the garage before the red tag was taped to the door. Fourteen months later the same agent walked the rebuilt kitchen with us.Lourdes A. · Noe Valley · Policyholder since 2001
Concierge desk
Our desk on Montgomery Street.
Meet every agentCommon questions
Answered without fine print.
Two minutes, no obligation
Tell us about the house. We will tell you what it costs to keep it.
Start your quoteOr call (415) 555-0142