Mission Hills sits right next to Granada Hills, our home base, an established, family-oriented community set around the historic San Fernando Mission and the 405, so this is genuinely our backyard. It is a neighborhood of longtime homeowners, condos, and the small businesses lining its commercial pockets. Earthquake, excluded from every standard California home policy, is the risk we usually raise first, and our team arranges home, auto, life, and small business coverage.

Home and earthquake insurance

For this settled community of longtime homeowners and condo owners, we go through a replacement cost estimator with you to reach a current rebuild figure, and we recommend extended replacement cost where it is available. That keeps a rebuild from being capped short of what a home actually costs. We match a unit-owners policy to what an association’s master policy does and does not pick up, and schedule jewelry, art, and valuables that a standard sub-limit can leave short.

Because Mission Hills sits on the Valley‘s fault network, we walk carefully through separate earthquake coverage, which standard California home policies exclude here as they do statewide. We raise it early rather than leave it as a surprise after a loss. Every property in California also sits in a flood zone, high or low, and flood is excluded from home policies everywhere. So where a home is near the Pacoima Wash or low ground, we review a separate flood policy as well.

In the uncommon case that a carrier declines or non-renews a home here, we can arrange a California FAIR Plan policy paired with a difference-in-conditions wrap so it keeps broad protection. In that arrangement your household is the client we represent, not the FAIR Plan.

Auto insurance

With the 405, the 118, and busy Valley surface streets close by, we review liability limits that fit what you have to protect. We also review uninsured and underinsured motorist coverage for the many uninsured cars on Valley roads, and a personal umbrella where a routine accident could otherwise reach household assets.

Small business and life insurance

For the small retail, restaurants, offices, and service businesses in the commercial pockets around the historic San Fernando Mission and near the 405, we build practical coverage. Depending on the operation, that can be retail business insurance, restaurant insurance, or office insurance. That includes retail and restaurant general liability, commercial property, professional liability where a business advises clients, and the commercial auto its local operators need. It also includes a business owners policy (BOP) where a smaller operation can be bundled sensibly, and workers’ compensation as teams grow.

For families and owners, we size life insurance to a mortgage, a household, and long-term responsibilities in plain terms. Longtime families next door to our Granada Hills base often hold a home for decades, so that conversation tends to blend income protection with legacy planning as the household matures.

Recreational and specialty coverage

RVs and boats stored on Valley lots, plus the occasional classic car, are common here, and recreational vehicle insurance and boat insurance are the usual specialty coverage each one typically needs.

Your neighborhood team next door in Granada Hills

A household here usually needs a home policy, an auto program, a small business program, and a life plan working together. Our team just next door has the range to place all of it, explain earthquake plainly, and be here at claim time.