The City of Los Angeles is really dozens of distinct communities under one city line. So the right coverage looks different depending on which one your home or business sits in. Earthquake, excluded from every standard California home and renters policy, sits behind every address from the coast to the hills. This is our own city: our team arranges home, condo and renters, auto, business, and life coverage across its neighborhoods, and this page is the starting point, with most neighborhoods carrying their own page below.

Home insurance across the city

We match homeowners insurance to a specific home, from the older bungalows and character houses of the Eastside to the family neighborhoods of the Valley and the high-value homes of the Westside. That means setting a dwelling limit to a current rebuild figure. It can also mean adding extended replacement cost where it fits. The picture changes block to block, and in the dense renter and condo markets on the flats we right-size condo and renters coverage for contents, personal liability, and loss assessment instead.

Earthquake is excluded from standard California home policies here as it is statewide, so we walk through separate earthquake insurance as a citywide consideration. Every property sits in a flood zone, high or low, with flood excluded from home policies everywhere, so we review flood insurance where drainage warrants. Beyond those citywide constants, the neighborhood page for your area carries the local detail.

Hillside and canyon wildfire insurance

In the hillside and canyon neighborhoods, from the Hollywood Hills and Bel Air to Mount Washington and the foothill edges, carriers score the brush and slope around each specific lot. Rebuild costs run high, and some homes are declined or non-renewed. When that happens we can pair a California FAIR Plan policy with a difference-in-conditions wrap so a hillside home keeps broad protection beyond the fire peril the plan covers alone. In that arrangement your household is our client, not the California FAIR Plan.

Auto insurance

Across a city this size, heavy freeway and surface traffic, vehicle break-ins, and a high share of uninsured drivers all raise exposure. So we help you weigh liability limits on auto insurance to protect your assets, and add uninsured and underinsured motorist and comprehensive coverage for the risks around you.

Business insurance

The city economy spans entertainment and production, technology and creative firms, the fashion and apparel trade, finance and professional services, tourism and hospitality. It also spans retail, restaurants, warehouses and logistics, manufacturing, and professional offices, which is where retail business insurance, restaurant insurance, manufacturing insurance, and office insurance typically come in. We build coverage around real operations, including commercial property insurance, general liability insurance, and commercial auto insurance. That also runs to professional liability insurance, cyber liability insurance, and workers’ compensation insurance. Because the right commercial program depends on the neighborhood and the trade, the neighborhood pages below carry the local industry detail.

Life insurance

For families and business owners in the city, we size life insurance to a household, an income, and long-term responsibilities in plain terms. Across a city this varied, that runs from a young family’s income protection to an owner’s buy-sell agreement to estate planning on a high-value estate. It is matched to the household rather than to the map.

Recreational and specialty coverage

From boats at the coast, where boat insurance often applies, to collector cars in the hills to camera and production gear across the city, specialty exposures here are as varied as the neighborhoods. So each typically needs coverage a standard home or auto policy will not extend to.

Coverage for our own city, neighborhood by neighborhood

A home in the Hollywood Hills, an apartment on the Eastside, and a business Downtown each call for a different plan. Because of that, our team places coverage neighborhood by neighborhood and stays with you at claim time. Explore your area, from Hollywood and Downtown to Highland Park, Venice, and the Valley, or start here. The wider metro of separate cities is on our Greater Los Angeles hub.