- Home, auto and moreRenters, umbrella, flood and personal cyber
- A licensed agent follows upAnd talks it through with you
- Licensed in CaliforniaInsurance license 6019379
- Talk to a licensed agent(619) 382-3810
Home, auto and personal insurance
Each coverage has its own page with what it covers and a plain-language guide.
- Auto insuranceYour coverage choices, and a quote request.See auto coverage
- Home insuranceWhat a policy usually covers, and a quote request.See home coverage
- Home and auto togetherCover your home and your vehicles in one request.Request a quote
- Renters insuranceYour belongings, your liability and extra living costs when you rent.Learn more
- Umbrella insuranceExtra liability coverage above your home and auto policies.Learn more
- Flood insuranceA separate policy for flood damage to your building, belongings or both.Learn more
- Personal cyberHelp recovering from identity theft, from case management to restoring credit.Learn more
Popular coverages
Every policy is different. Your agent walks you through what yours includes and what it costs before you decide.
- LiabilityCovers financial losses from property damage and injuries to others, if you are found legally responsible.
- CollisionPays for damage to your vehicle from hitting another car or object.
- ComprehensiveCovers damage from events other than a collision, such as fire, theft or weather.
- DwellingPays for damage to the house and attached structures.
- Personal propertyPays the value of damaged or lost possessions, like furniture, electronics and clothing.
- Loss of usePays some additional living expenses while your home is being repaired.
Sources: NAIC consumer insurance topics: homeowners insurance; auto insurance. Coverage, price and approval are decided by the insurance company.
Not sure what coverage you need?
Tell us what you want covered. A licensed agent follows up and talks it through.
Talk it through with usHow it works
- 1
Tell us what you need
A few quick questions. It takes about two minutes.
- 2
We review it
Someone licensed reads every request.
- 3
We reach out
We talk it through with you. There is no obligation.
Get a home or auto quote.
A licensed agent reviews your request and gets back to you. Prefer to talk? Call (619) 382-3810, Monday to Friday, 8:30am to 5pm Pacific.
Thank you, we have your request.
Someone from our team will get back to you. If it is urgent, call (619) 382-3810.
FAQ
Home and auto insurance in California, explained plainly
What are California’s minimum auto liability limits?
$30,000 for injury or death to one person, $60,000 for injury or death to more than one person, and $15,000 for property damage. These higher minimums took effect January 1, 2025, under SB 1107.
Do I have to carry proof of insurance?
Yes. You must keep evidence of insurance in your vehicle at all times, and show it when law enforcement asks, when you renew your registration, and after a collision.
Does homeowners insurance cover earthquakes?
No. Homeowners, renters and condo policies do not cover earthquake damage. Fire is the exception: your homeowners policy covers fire damage even when an earthquake causes the fire.
Does my insurer have to offer earthquake coverage?
Yes. A California homeowners insurer must offer earthquake coverage in writing every other year. You have 30 days from the mailing date to accept, and if you don’t reply, the offer counts as rejected.
What is the California FAIR Plan?
A private association created by the Governor and Legislature and overseen by the California Department of Insurance, for California residents and businesses who cannot get insurance through a regular insurance company.
Sources: California DMV, auto insurance requirements · California Department of Insurance, Bulletin 2023-1 (SB 1107) · California Department of Insurance, earthquake insurance · California Department of Insurance, FAIR Plan consumer alert.
Important information
- If you request a quote, a licensed insurance agent may contact you.
- Insurance: Coverage, price and approval are decided by the insurance company.