ShieldNest is a California-licensed insurance brokerage offering homeowners insurance, California FAIR Plan dwelling fire coverage, and commercial truck insurance. Get a personalized quote — real coverage, transparent pricing, zero surprises.
Three focused insurance products for California residents and businesses. Pick the coverage that fits, start your quote online, and talk to a licensed California agent when you're ready.
Not sure which policy you need? Here's a plain-English side-by-side of who each product is for, what it covers, and what it typically costs in California.
Ranges are typical California premiums for illustration; your quote depends on ZIP code, coverage limits, and risk profile.
ShieldNest is a brokerage, not a carrier. You pay the same premium the insurance company charges — we're paid by the carrier, not by you.
"Two carriers non-renewed us after the fire maps changed. ShieldNest had a FAIR Plan + wraparound in place the same week."
"I run three trucks doing regional freight. They quoted primary liability, physical damage, and cargo in one call — cheaper than my old agent."
"Actual human agent, actual California license, actual answer in under 10 minutes. Rare these days."
Customer names abbreviated for privacy. Replace with real reviews before publishing — fabricated testimonials violate California insurance advertising rules (10 CCR §2695.4).
ShieldNest is a California-licensed insurance brokerage offering three products: California homeowners insurance, California FAIR Plan dwelling fire coverage, and commercial truck insurance for owner-operators and fleets.
The California FAIR Plan is a state-mandated insurance pool that provides basic dwelling fire coverage to California homeowners who cannot obtain a standard policy — most commonly homes in high wildfire risk zones. It covers fire, lightning, smoke, and internal explosion. ShieldNest can pair a FAIR Plan policy with a Difference-in-Conditions (DIC) policy so you also get liability, theft, and water damage coverage.
Commercial truck insurance through ShieldNest can include primary auto liability, physical damage (collision and comprehensive), motor truck cargo, non-trucking liability, and general liability. We write local, regional, long-haul, and specialty operations — including tow, hazmat, and refrigerated cargo — for single trucks and full fleets with DOT authority.
Yes. Standard California homeowners policies placed by ShieldNest include wildfire as a covered peril. For homes in high wildfire risk zones where standard carriers decline, we place California FAIR Plan dwelling fire coverage and add a DIC policy for the perils the FAIR Plan doesn't include.
A standard California HO-3 homeowners policy is an all-risk policy that covers the dwelling, personal property, liability, and loss of use. The California FAIR Plan is a dwelling-fire-only policy that covers fire, lightning, smoke, and internal explosion — nothing else. FAIR Plan is a last-resort option for homes standard carriers decline, and is usually paired with a Difference-in-Conditions (DIC) policy to add liability, theft, and water damage back in.
California motor carriers must meet FMCSA minimums for interstate operation — typically $750,000 in primary auto liability for general freight and $1,000,000 for most hazmat — plus California DMV Motor Carrier Permit filings. Most shippers and brokers also require $100,000 in motor truck cargo coverage. ShieldNest handles MCS-90, CA MCP, and FMCSA BMC-91 filings.
ShieldNest is a California-focused brokerage licensed by the California Department of Insurance (#4429473). Homeowners and FAIR Plan policies are written for California properties in all 58 counties. Commercial truck policies are written for California-domiciled motor carriers, including trucks that run interstate long-haul routes.