Simplicity at Your Fingertips

Introducing the first excess and surplus instant quoting platform from WNC Specialty for residential earthquake, landslide and flood insurance. For retail agents, it has never been easier. You supply the property address, and we provide the bindable personal lines quote for your client in seconds. 

Here's What We Write

Homeowners Catastrophe Insurance – Difference in Conditions (DIC) 
  • Earthquake, landslide and flood coverage for homes and dwellings in Arizona, California, Nevada and Oregon
  • Primary, secondary, seasonal, vacant and renovation properties
  • Standalone earthquake/landslide coverages, and ability to add flood when eligible
  • Coverage A limits from $75,000 to $2 million
  • Low deductibles from 5%
  • Payment options include credit card, ACH and escrow
  • Competitive agent commission and quote price

Here's How It Works

1. Create an Account

To create an account, submit your contact information and we'll reach out to you immediately to complete the appointment process.

2. Enter a Property Address

Once registered, log in at and enter your client's property address — the only information required to create a quote in seconds.

3. Confirm the Coverage

Update the pricing in real time by adjusting the coverages, limits and deductibles to best meet your clients' needs.

4. Bind the Quote

Take payment, bind the quote and generate documents in a few easy steps, with no additional underwriting or approval required.

Check out the resources below to learn more and for getting started with the platform. 

Specialty Homeowners Insurance contacts

photo of Tom Parsons

Tom Parsons

Co-President, Specialty Division

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Tom Parsons joined WNC in 2018 as Co-President of the Specialty Division. In his role, he is responsible for driving product innovation and strategic growth for the Specialty Division, including the launch of the first excess and surplus instant quoting platform for homeowners insurance.

Prior to joining WNC, Tom served in a variety of roles of increasing responsibility at Tokio Marine Kiln, one of the largest carriers in the Lloyd’s of London insurance market and a member of the Tokio Marine Group. In his most recent position, Tom was the Insurance-Linked Securities (ILS) Portfolio Manager for Tokio Marine Kiln’s U.S. Property Division, where he played an integral role in raising more than $1 billion in collateral and successfully shaping the portfolios of many ILS funds. Prior to that position, he served as Capital Reporting Manager, where he led the capital modeling team during the implementation of Solvency II regulation.

Tom holds a Bachelor of Science degree in Economics from the University of Southampton and a Master of Philosophy in Finance from the University of Cambridge. He also holds an Advanced Diploma in Insurance (ACII).

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Scott Phillips

Senior Vice President, Business Development, Financial Services and Specialty Divisions

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Scott Phillips joined WNC in 2019 as Senior Vice President of Business Development. In his role, he is responsible for driving strategic growth opportunities and developing new client relationships for WNC’s Financial Services and Specialty Divisions.

Prior to joining WNC, Scott served in a variety of roles of increasing responsibility for USRES, an industry leader for real estate owned (REO) disposition, appraisal management services and the parent company to RES.NET, an REO enterprise platform. As Director of Sales, he set the strategic guidance for the company’s sales initiatives to align with quarterly revenue goals. By targeting strategic sales opportunities with banks, servicers and mortgage lenders, Scott developed and managed relationships with more than 300 accounts nationwide. He also held positions of National Account Manager, Regional Account Manager and Inside Sales Manager Liaison while there. Previously, Scott also served in sales related roles with Forest Pharmaceuticals and Gallo Wine Company.

Scott holds a Master of Business Administration in finance from Pepperdine Graziadio Business School and a Bachelor of Science in business administration, with a double emphasis in management and marketing from Chapman University.