No. Both are excluded from standard California homeowners policies and are written separately. Earthquake is bought as its own policy or endorsement, and the deductible is typically a percentage ...
Fire, including wildfire, is typically covered under a standard homeowners policy. In high-risk areas where standard coverage is limited, a FAIR Plan and DIC combination may be used. ...
An SR-22 is a certificate a court or the DMV may require to confirm you carry the state minimum. Ask us if you have been told you need one. ...
As of January 1, 2025, the minimums are 30/60/15: 30,000 dollars per injured person, 60,000 dollars per accident, and 15,000 dollars for property damage. Higher limits are often worth ...
It is not mandatory, but many California drivers add it because it may protect you when an at-fault driver has little or no insurance.
No. California does not allow credit-based rating for personal auto, so your credit is not used to set your auto rate.
It often depends on the assets and future income you want to protect above your home and auto limits. We help you think it through.
Yes. We coordinate personal, specialty, and life coverage so it works as one program.
No. California does not allow credit to be used in pricing personal auto.
No. Both are excluded from standard California home policies and arranged separately. We help you add them where the exposure warrants.





