Coverage
Insurance Services
Personal, property, and small-business coverage under one roof. Open any line for the plain-English version of what it covers — or skip straight to a quote.
Home & Property
Homeowners
Dwelling, belongings, and liability, quoted across multiple carriers.
We compare policies side by side and walk you through what each actually covers — dwelling limits, personal property, liability — so you're choosing on substance, not price alone.
Condo
Covers the interior and your belongings where the HOA's master policy stops.
Condo insurance works differently from homeowners: the association's master policy covers the building, and yours covers everything inside the walls plus your liability. We read the master policy so nothing falls in the gap.
Renters
Personal property and liability coverage, usually for less than you'd expect.
Covers your belongings, your liability, and temporary housing if the unit becomes unlivable. Policies typically run a few dollars a month and take minutes to place.
Landlord & Rental Property
Protects the structure, your rental income, and your liability as an owner.
We match the policy to how the property is rented — long-term, short-term, or seasonal — so the coverage holds up when it's tested.
Flood
Flood damage isn't covered by homeowners policies. This is the policy that covers it.
Available whether or not you're in a mapped flood zone. We check your zone, quote both NFIP and private markets, and tell you plainly whether you need it.
Earthquake
A separate policy for earthquake damage, sized to your home.
Earthquake damage needs its own policy in California. We size the deductible and coverage to your home and budget, not a formula.
California FAIR Plan
Wildfire-risk placements when the standard market says no.
If you've been turned down for homeowners coverage due to wildfire risk, the FAIR Plan may be an option. We handle these placements regularly and can walk you through the process, the coverage, and the supplemental policies most FAIR Plan homes need.
Auto & Recreation
Auto
One car or the whole household, balanced between protection and price.
We quote the market and show you where the trade-offs are — deductibles, limits, and the discounts carriers don't volunteer.
Specialty & Off-Road Vehicles
ATVs, dirt bikes, UTVs, and golf carts, on the trail and in the garage.
Most auto policies exclude off-road vehicles. We insure the ride, the trailer, and the liability that comes with both.
Business & Liability
Umbrella & Excess Liability
An affordable layer of protection above your home and auto limits.
Umbrella coverage picks up where your underlying liability limits stop, typically in million-dollar increments. It's one of the least expensive ways to protect what you've built.
Commercial
General liability and commercial property for small businesses.
Tell us what your business does and we'll map the coverage it actually needs — from a single policy to a full package.