Personal Insurance

Personal insurance protects your home, your vehicles, and your household from everyday risks and large losses. Most California families build on homeowners or renters insurance and auto insurance, then add a personal umbrella and specialty coverage such as flood, earthquake, or valuables as their situation calls for it. Earthquake and flood are excluded from standard home policies statewide and are arranged separately.

Your home and your cars are probably the biggest things you own, and one accident, storm, fire, or lawsuit can put them at risk. We help California households put the right coverage in place, explain what each policy does in plain English, and coordinate it so the pieces work together instead of leaving gaps.

What personal insurance do most households need?

• Homeowners insurance for an owner-occupied home, or condo and renters coverage.
• Auto insurance at limits that fit how you drive; California minimums are 30/60/15 as of January 1, 2025.
• Personal umbrella for liability above your home and auto limits.
• Earthquake and flood insurance, which standard home policies exclude statewide.
• Specialty coverage such as high-value home, jewelry and valuables, and policies for boats, motorcycles, RVs, and collector vehicles.

How we help: we look at your home, your household, your vehicles, and your assets, then build coverage around your whole life rather than one policy at a time. You work with an experienced local team that explains your options in plain English and advocates for you at claim time.

Need help with your insurance? Call us at 818-322-4744

Households across California carry more than a house and a car. Vacant home insurance, seasonal and secondary home insurance, specialty dwelling insurance, mobile and manufactured home insurance, and private flood insurance each answer a property situation a standard policy may not. On the recreational side there is golf cart insurance, scooter and moped insurance, fifth-wheel insurance, and luxury motor coach insurance. Special event insurance covers a wedding or one-off gathering, and individual life insurance and disability insurance protect the income behind everything else.