Written by honest insurance companies who
pay claims fairly and promptly
Properly cover your needs as a homeowner
We are an independent, full service, insurance
agency working hard to provide low rates and great
service to all California home owners. As an “independent”
agency we work with hundreds of insurance companies
to find the very best coverage and insurance rates
for your California home, condo, or apartment.
We sell homeowner
insurance to all of California. We live, work,
play, and raise families here in California and
we only provide insurance here in California. We
believe this helps us better understand your California
insurance needs.
No Hassle - Home Insurance Quotes
Here are the ways to get a free quote from us:
Call us at (800) 808-2695 and get an instant
quote over the phone from one of our friendly
representatives. We always prefer to take our
time to speak to you personally. Our experienced
agents will make sure all of your questions
are answered, and all possible discounts are
included.. or
Instant online quote –Complete a quick
questionnaire and get an instant insurance quote.
We represent many of the top-rated insurance
companies licensed in California. We will help you
find great homeowners insurance coverage for your
homes, apartments, condos, townhouses, or cooperatives.
Our Pledge to you "We
are committed to providing you with SUPERIOR service
and protection at affordable rates.
Call between 9AM and 6PM
Always speak with a live human being
Free fast friendly quotes
Hundreds of insurance companies
For all California homes, condos, renters, &
apartments
California homeowners insurance provides
financial protection against disasters.
A standard policy insures the home itself
and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to
your property and your liability or legal
responsibility for any injuries and property
damage you or members of your family cause
to other people. This includes damage caused
by household pets.
Damage caused by most disasters is covered
but there are exceptions. The most significant
are damage caused by floods, earthquakes
and poor maintenance. You must buy two separate
policies for flood and earthquake coverage.
Maintenance-related problems are the homeowners'
responsibility.
Different types of
Policies
A person who owns his or her home would
have a different policy from someone who
rents. Policies also differ on the amount
of insurance coverage provided.
The
different types of homeowners policies are
fairly standard throughout the country.
However, individual states and companies
may offer policies that are slightly different
or go by other names such as “standard”
or “deluxe”.
Do you need home
owners insurance?
Unlike driving a car, you can legally
own a home without homeowners insurance.
But, if you have bought your home and financed
the purchase with a mortgage, your lender
will most likely require you to get homeowners
insurance coverage. That’s because
lenders need to protect their investment
in your home in case your house burns down
or is badly damaged by a storm, tornado
or other disaster. If you live in an area
likely to flood, the bank will also require
you to purchase flood insurance. Some financial
institutions may also require earthquake
coverage if you live in a region vulnerable
to earthquakes. If you buy a co-op or condominium,
your board will probably require you to
buy homeowners insurance.
After your
mortgage is paid off, no one will force
you to buy homeowners insurance. But it
doesn’t make sense to cancel your
policy and risk losing what you’ve
invested in your home.
Low
Insurance rates, and great service for California
homes, condos, renters, apartments, co-ops.
