VTRO combines modern protection with local expertise.
VTRO offers a homeowners policy created for the realities of California. Many families are falling back on last-resort programs that were never built for long-term security or a streamlined claims experience. VTRO changes that by delivering a straightforward policy supported by the financial strength of a Nationwide company(1).
Our policies are structured on broad coverage forms that give California homeowners reliable protection, with the added strength of surplus lines flexibility. This allows pricing to adjust quickly and responsibly as market conditions change, so your coverage remains dependable when you need it most.
Protection includes your home, your belongings, and your liability, all strengthened by prevention technology. Every policy comes with smart water sensors that have been proven to reduce water-related losses by nearly 40 percent. By detecting small issues before they spread, these sensors save money, reduce disruption, and give you greater confidence in your coverage.
Protection for the structure itself, including roof, walls, and attached features
Coverage for garages, fences, sheds, and other property around your home.
Belongings inside your home are covered against most types of damage or loss.
Pays additional living expenses if your home becomes uninhabitable after a covered event.
Covers smaller medical costs if a guest is hurt in your home, regardless of fault.
Protects you if someone is injured on your property or if you accidentally damage another person’s property.
VTRO is available for well-maintained homes throughout the state, including those that may have struggled to find reliable coverage in today’s market. We provide protection up to $5 million in total insurable value, with Coverage A up to $2.5 million.
Each policy carries a $10,000 deductible. This helps keep premiums more affordable while still giving you access to strong, comprehensive protection. By focusing on homes where prevention tools and responsible upkeep make a difference, we ensure our customers get meaningful value from their policy.
Bad days happen. When they do, you deserve an insurance partner who will make recovery easier, not harder. VTRO combines the stability of top-tier insurance partners with a modern, tech-enabled claims experience that helps you move forward with less stress.
Our mission is to protect not only your house but also the stability and wealth it represents for your family. With holistic coverage, proactive loss prevention, and a trusted claims partner at your side, VTRO gives you confidence that your home and your future are in safe hands.
