Home Insurance

Is your home insured and protected? From basic homeowners insurance to coverage for floods, earthquakes and even special coverage for valuable home articles, we offer dependable home insurance policies for properties throughout California.

As one of California’s leading smaller insurance companies, we’ve provided high quality policies for hundreds of thousands of people and businesses throughout the state. We work directly with a carefully selected group of insurance underwriters to provide the best possible rates.

We also believe that your insurance policy should be tailored and customized to your needs, not just a “mass produced” plan. After all, since you personalize your home to match your needs, it’s sensible to choose a personalized plan that matches your requirements and expectations.

Home insurance is one of the most important types of insurance, covering everything from your home’s structure to the replacement and repair costs for damage, personal possessions and the living expenses you occur in the case of a disaster.

All of our home insurance plans can be personalized with additional services such as flood and earthquake coverage, special coverage for valuable articles and even animal liability to reduce liability issues caused by household pets.

Below, you can find a detailed guide to our home insurance options, as well as our company as a whole. If you would like to learn more about our home insurance policies, please contact us on (844) 961-6161 to request a free quote.

Do you need home insurance in California?

Unlike automotive insurance, homeowners insurance is not required by law in California if you own your own home. However, purchasing home insurance for your property is a good choice that eliminates risk and allows you to live in your home with a greater level of confidence.

If you are in the process of purchasing your home and plan to apply for a mortgage, your bank will typically require that you purchase a home insurance policy.

Home insurance is particularly important in California, where natural disasters are far from an uncommon occurrence and pose a major risk to many areas of the state. For this reason, many homeowners in California get comprehensive policies with extras such as earthquake cover.

As one of California’s leading smaller insurance companies, we have a deep understanding of the unique needs of Californian homeowners, allowing us to provide personalized service and advice based on your specific requirements from a policy.

Our Home Insurance Policies

We offer a wide range of home insurance policies and personalization options to ensure you can purchase insurance that matches your exact needs as a homeowner.

We understand how stressful and difficult the process of buying home insurance can be. For this reason, we offer both basic home insurance and a variety of policy extras to help you purchase the insurance and additional options you need without any unwanted extras.

Not sure which type of home insurance you need? No problem. Our experienced staff are here to help you learn more about the various home insurance options that are available and ensure you choose the best policy for your property and needs.

Basic Homeowners Insurance

Basic homeowners insurance covers the structure of your home, replacement costs for repairs and replacements, your personal possessions (up to a specific limit), your living expenses in the event of a disaster, and liability.

As a general rule, we highly recommend that all homeowners purchase at least a basic home insurance policy to protect themselves from the risk of having to pay for repairs to the home’s structure, replacement possessions and other unforeseen costs.

Basic homeowners insurance covers the structure of your home, giving you peace of mind and financial protection in the event of damage. It also covers the cost of housing yourself and your family in the event of a disaster, helping you manage your life in challenging circumstances.

Finally, homeowners insurance covers your personal possessions, giving you protection if your home’s contents are stolen or damaged. Most homeowners insurance policies have a limit on the total amount and value of possessions you can insure.

Would you like to learn more about our basic homeowners insurance? To request a free home insurance quote and learn more about how homeowners insurance can give you the peace of mind you need as a homeowner, please contact us now on (844) 961-6161.

Flood Policies

Do you live in an area that’s at risk of flooding? If your home is located in an area that’s subject to flooding during periods of heavy rain, flood insurance can give you real financial protection in the event of a flood and ensure you don’t face significant costs for your home and possessions.

Flood insurance is available as an optional add-on for most homeowners insurance policies. If your home is at risk of flood damage, it’s important to purchase a flood insurance policy to keep your home safe and minimize your financial risks.

We offer flood insurance as a home insurance policy option. For more information or to request a free quote for your home, please contact us now on (844) 961-6161.

Earthquake Policies

Earthquakes are not just a significant threat to your family’s safety — they’re also a serious risk for your home. This is particularly true in states like California, which sit on top of major faults and face serious risks of earthquakes.

Earthquake insurance protects you from the full cost of repairing and replacing property that’s damaged during an earthquake. If your home is located in an area that’s at risk of earthquakes, it’s important to ensure you are adequately protected.

We offer earthquake insurance as a home insurance policy option. For more information or to request a free quote for your home, please contact us now on (844) 961-6161.

Umbrella Policies

Umbrella insurance provides additional cover beyond your homeowners insurance policy, giving you protection in the event that you’re found liable for a claim that exceeds the maximum limit of your homeowners insurance policy.

With an umbrella policy, you gain additional peace of mind that you’re protected in the event of a major liability issue.

We offer umbrella policies as a home insurance policy option. For more information or to request a free quote for your home, please contact us now on (844) 961-6161.

Valuable Articles/Floater Policies

Do you own valuable possessions such as jewelry, engagement rings, computers, art, camera equipment or other items? Valuable articles and floater policies cover expensive items that are easily movable and not completely covered by standard homeowners insurance.

A valuable article and floater policy is particularly important if you have valuable items that are worth more than the total amount covered on a per-item basis by your homeowners insurance policy.

We offer valuable articles/floater policies as a home insurance policy option. For more information or to request a free quote, please contact us now on (844) 961-6161.

Animal Liability Insurance

Do you own a pet? No matter how well trained your dog might be, there is a potential risk of it causing an incident for a family member, friend or visitor to your home, ranging from a dog bite to damage caused by your dog to a neighbor or nearby resident’s property.

Animal liability insurance covers property damage caused by your pet, injuries from bites and scratches and other common animal-related accidents.

We offer animal liability insurance as a home insurance policy option. For more information or to request a free quote, please contact us now on (844) 961-6161.

Insurance for Townhouses and Condominiums

In addition to home insurance, we offer a wide range of insurance policies for townhouses and condominiums, helping you stay insured, covered and protected if you live in a condo building, townhouse or other cooperative housing environment.

Condominium and townhouse insurance provides a different level of coverage than standard homeowners insurance, including protection for your possessions and personal items, condo improvements and renovations and a variety of other items.

For more information on our townhouse and condominium insurance or to request a free quote, please contact us now on (844) 961-6161.

Our Locations

With nine locations in California and one in Miami, Florida, we’re easy to contact and available to provide assistance, advice and service over the phone or in person. Our California locations are listed below, with full contact information available on our contact page:

  • Downey, California
  • Bell, California
  • Montebello, California
  • Huntington Beach, California
  • Gardena, California
  • Los Angeles, California
  • Van Nuys, California
  • Fontana, California
  • Riverside, California

Contact Us Now

If you own a home, it’s important that you’re insured and protected against losses due to theft, property damage and natural disasters. Homeowners insurance, as well as our home insurance options, keeps your most valuable investment safe and secure.

From home insurance to condo insurance, auto insurance and a wide range of other insurance services, our experienced team has helped hundreds of thousands of people stay insured and financially protected.

To get started, call our team now on (844) 961-6161 to learn more about our home insurance services or to request a free quote. Available 24 hours a day, seven days a week, our agents are standing by to provide the insurance answers and information you need as a homeowner.