High Risk Homeowners

Modern protection for homes in high‑risk, hard‑to‑insure, or flood‑exposed areas.

🌵 Arizona (AZ) Overview

Arizona homeowners face unique flood risks from monsoons, washes, and desert drainage patterns. Traditional carriers often overlook these exposures — Annex fills that gap.

What Annex Offers in Arizona

• ✔ Flood‑Only Coverage (primary product in AZ)

• Broader protection than NFIP

• Fast digital quoting through the agent portal

• Ideal for homes near washes, low‑lying areas, or flood‑prone ZIPs

• Clean, client‑ready proposal PDFs for review

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Who It’s Best For

• Homes near natural washes

• Properties with prior flood claims

• Homes needing supplemental flood protection

• Clients wanting more than NFIP’s limited coverage

🌴 California (CA) Overview

California homeowners are dealing with wildfire exposure, non‑renewals, and shrinking carrier options. Annex steps in where standard carriers pull back.

What Annex Offers in California

• ✔ Full Homeowners Coverage (HO‑3 style)

• ✔ Flood Coverage (standalone or combined)

• Designed for homes declined by standard carriers

• Competitive alternative to FAIR Plan + wraparound

• Flexible underwriting for wildfire‑exposed or previously declined homes

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Who It’s Best For

• Homes in wildfire‑risk ZIPs

• Properties with prior losses

• Homes receiving non‑renewal notices

• Clients wanting a single‑carrier solution instead of FAIR + DIC + Flood

🧾 How Quotes Work (Both States)

Annex does not offer a public client quote link. All quotes are generated through the Annex Producer Portal, and I provide a clean, client‑ready proposal PDF.

Gary A Coleshill

Licensed Agent

Office: 480 856 7782 x 100

Cell & Text 480 208 4366

NPN: 6746746

gary@coleshillprotects.com