Here to Support
The risks State Farm can't write. We can place them.
Statefarm Agent Approved
Why We Built This
I Grew Up in the State Farm World
My dad was a State Farm agent for more than 30 years. I had a front-row seat to how seriously agents take their responsibility to their clients — and how much of their identity is tied to that trust. That environment shaped how I built this brokerage. I saw what happened when a risk couldn't be placed and an agent had to deliver bad news to someone who'd been their client for years. When we work with State Farm agents, our role is simple: place the coverage that falls outside State Farm's appetite while protecting the relationship you've spent years building.
It only takes minutes
Why We Built This
How it Works
1
Email us the risk — client info, coverage need, and any supporting docs you have.
2
We assess appetite, markets, and options — typically within one business day.
3
efore contacting your client, we align with you on approach, timing, and messaging.
4
We handle the hard placement. You stay the trusted advisor. Relationship protected.
1
Email us the risk — client info, coverage need, and any supporting docs you have.
2
We assess appetite, markets, and options — typically within one business day.
3
efore contacting your client, we align with you on approach, timing, and messaging.
4
We handle the hard placement. You stay the trusted advisor. Relationship protected.
1
Email us the risk — client info, coverage need, and any supporting docs you have.
What We Cover Together
Keep Every Client. Cover Every Risk.
State Farm agents are trusted advisors — but no single carrier covers everything. When your client needs coverage that falls outside State Farm's appetite, that gap doesn't just leave them exposed. It leaves you in a difficult position. Rize Risk was built to fill exactly that space. We work exclusively alongside State Farm agents as a silent partner — placing the lines you can't, so your client never has to go looking for another advisor.
Out-of-Appetite Risks
The Cases You Can't Write. We Can.
Excess Umbrella
Business owners, landlords, and high-net-worth clients who need limits well above a standard personal umbrella.
Short-Term Rentals
Airbnb or VRBO use voids standard homeowners coverage. We place specialty STR and landlord policies.
Vacant & In-Between Properties
Renovating, between tenants, or inherited — standard policies exclude vacancy after 30–60 days.
High-Value Homes
Replacement cost exceeds standard limits. We access Chubb, PURE, and other high-value markets.
CA FAIR Plan + DIC
Clients on the FAIR Plan are underinsured. We wrap it with a DIC policy that covers what's missing.
Wildfire-Exposed Homes
Non-renewed or declined by State Farm — we place through surplus lines or FAIR Plan + DIC.
Excess Umbrella
Business owners, landlords, and high-net-worth clients who need limits well above a standard personal umbrella.
Short-Term Rentals
Airbnb or VRBO use voids standard homeowners coverage. We place specialty STR and landlord policies.
Vacant & In-Between Properties
Renovating, between tenants, or inherited — standard policies exclude vacancy after 30–60 days.
High-Value Homes
Replacement cost exceeds standard limits. We access Chubb, PURE, and other high-value markets.
CA FAIR Plan + DIC
Clients on the FAIR Plan are underinsured. We wrap it with a DIC policy that covers what's missing.
Wildfire-Exposed Homes
Non-renewed or declined by State Farm — we place through surplus lines or FAIR Plan + DIC.
Excess Umbrella
Business owners, landlords, and high-net-worth clients who need limits well above a standard personal umbrella.
Short-Term Rentals
Airbnb or VRBO use voids standard homeowners coverage. We place specialty STR and landlord policies.
Vacant & In-Between Properties
Renovating, between tenants, or inherited — standard policies exclude vacancy after 30–60 days.
High-Value Homes
Replacement cost exceeds standard limits. We access Chubb, PURE, and other high-value markets.
CA FAIR Plan + DIC
Clients on the FAIR Plan are underinsured. We wrap it with a DIC policy that covers what's missing.
Wildfire-Exposed Homes
Non-renewed or declined by State Farm — we place through surplus lines or FAIR Plan + DIC.
Wildfire-Exposed Homes
Non-renewed or declined by State Farm — we place through surplus lines or FAIR Plan + DIC.
CA FAIR Plan + DIC
Clients on the FAIR Plan are underinsured. We wrap it with a DIC policy that covers what's missing.
High-Value Homes
Replacement cost exceeds standard limits. We access Chubb, PURE, and other high-value markets.
Vacant & In-Between Properties
Renovating, between tenants, or inherited — standard policies exclude vacancy after 30–60 days.
Short-Term Rentals
Airbnb or VRBO use voids standard homeowners coverage. We place specialty STR and landlord policies.
Excess Umbrella
Business owners, landlords, and high-net-worth clients who need limits well above a standard personal umbrella.
Wildfire-Exposed Homes
Non-renewed or declined by State Farm — we place through surplus lines or FAIR Plan + DIC.
CA FAIR Plan + DIC
Clients on the FAIR Plan are underinsured. We wrap it with a DIC policy that covers what's missing.
High-Value Homes
Replacement cost exceeds standard limits. We access Chubb, PURE, and other high-value markets.
Vacant & In-Between Properties
Renovating, between tenants, or inherited — standard policies exclude vacancy after 30–60 days.
Short-Term Rentals
Airbnb or VRBO use voids standard homeowners coverage. We place specialty STR and landlord policies.
Excess Umbrella
Business owners, landlords, and high-net-worth clients who need limits well above a standard personal umbrella.
Wildfire-Exposed Homes
Non-renewed or declined by State Farm — we place through surplus lines or FAIR Plan + DIC.
CA FAIR Plan + DIC
Clients on the FAIR Plan are underinsured. We wrap it with a DIC policy that covers what's missing.
High-Value Homes
Replacement cost exceeds standard limits. We access Chubb, PURE, and other high-value markets.
Vacant & In-Between Properties
Renovating, between tenants, or inherited — standard policies exclude vacancy after 30–60 days.
Short-Term Rentals
Airbnb or VRBO use voids standard homeowners coverage. We place specialty STR and landlord policies.
Excess Umbrella
Business owners, landlords, and high-net-worth clients who need limits well above a standard personal umbrella.
What Agents Are Saying
From Agents Who've Been There.
From Agents Who've Been There.
Here to Support
The risks State Farm can't write. We can place them.
Statefarm Agent Approved
Ready to Send a Referral?
Let's Place It Together.
Send us the risk and we'll take it from there — keeping you in the loop every step of the way.
Here to Support
The risks State Farm can't write. We can place them.
Statefarm Agent Approved
What We Cover Together
Keep Every Client. Cover Every Risk.
State Farm agents are trusted advisors — but no single carrier covers everything. When your client needs coverage that falls outside State Farm's appetite, that gap doesn't just leave them exposed. It leaves you in a difficult position. Rize Risk was built to fill exactly that space. We work exclusively alongside State Farm agents as a silent partner — placing the lines you can't, so your client never has to go looking for another advisor.