Granada Hills is home for Schneiderman Insurance Agency, the community our team has served the longest. It runs from the flat family neighborhoods on the Valley floor to the horse properties and larger lots in the hills to the north. Wildfire off those northern foothills and earthquake, a statewide constant, shape most policies here. This is a market we know street by street rather than describe from a distance, arranging home, auto, business, and life.

Home and high-value home insurance

We go through a replacement cost estimator with you to arrive at a reasonable estimate for reconstruction. Some homeowners decide they want more coverage than the estimate suggests, and where extended replacement cost is available we can look at that as well. We also add scheduling for jewelry, art, and other valuables where a standard sub-limit would leave a gap. For the equestrian and hillside properties in the northern part of town, we also look at outbuildings, barns, and the added liability that comes with animals and larger lots.

Homes that climb toward the foothills sit closer to the brush, where carriers score the slope and vegetation around each specific lot. Eligibility can shift block to block, and some homes are declined or non-renewed on the standard market. When that happens we can arrange a California FAIR Plan policy paired with a difference-in-conditions wrap so the home keeps broad protection beyond the fire peril the California FAIR Plan covers alone. In that arrangement your household is our client, not the California FAIR Plan.

Earthquake is excluded from standard California home policies here as everywhere in the state, and we walk through separate earthquake coverage as part of the review.

Auto and life insurance

For drivers on the 118 and 405, including new and teen drivers in family households, we review liability limits that fit what you have to protect. We also look at uninsured and underinsured motorist coverage for the many uninsured cars on Valley roads.

This is family territory, so we size life insurance to a mortgage, a household, and long-term responsibilities in plain terms. Term and permanent coverage are both in play, with college plans part of the math, and the many local small-business owners add key person and buy-sell coverage.

Business insurance

The main-street economy along Chatsworth Street in Granada Hills Village runs on its restaurants, shops, and services, the sort of accounts restaurant insurance and retail business insurance are written for. Together with the professional and medical offices, which office insurance covers, and the contractors and trades working the north end, who typically carry contractors insurance, it anchors this part of the northwest Valley. As our home market, this is coverage we place close to home: retail and restaurant general liability, professional and contractor coverage, commercial property, and commercial auto for work vehicles. We also arrange a business owners policy (BOP) where a smaller operation can be bundled sensibly, and workers’ compensation as teams grow.

Recreational and specialty coverage

Horses on the northern lots, plus the RVs and boats stored on Valley properties, are common here, and each needs its own specialty coverage, often recreational vehicle insurance or boat insurance.

Your neighborhood insurance team in Granada Hills

This is our home market, and our team lives the same earthquake, foothill-wildfire, and Valley-commute realities our clients do. We can place a home, an auto program, a business, and a life policy, explain each in plain English, and be here in person at claim time.