North Hills is a central-Valley community of family and working neighborhoods, a deep stock of apartments and multifamily housing, and commercial activity along the 405, just a few minutes from our Granada Hills home base. Coverage here runs from a work truck to a landlord’s building to a first renters policy, with earthquake, excluded from every standard California home and renters policy, behind it all. Our team arranges auto, home, renters, apartment and rental-property, and small business coverage.

Auto insurance

With the 405 and heavy surface streets close at hand, solid auto coverage is the starting point. We review liability limits that match your assets, along with uninsured and underinsured motorist protection for the many uninsured cars on Valley roads. We also look at coverage for the whole household, including new and teen drivers.

Home, renters, and earthquake insurance

For homeowners, we walk through a replacement cost estimator with you to reach a current rebuild figure, and we recommend extended replacement cost where carriers offer it. With so much multifamily housing here, a renters policy is a staple, protecting belongings and personal liability for a modest premium. A landlord’s policy, which falls under apartment building insurance, covers only the building.

Because North Hills sits on the Valley‘s fault network, we walk through separate earthquake coverage, which standard home and renters policies exclude here as they do statewide. It sits behind every home and building in the community. Every property also sits in a flood zone, high or low, and flood is excluded from home policies everywhere, so we review a separate flood policy where the ground and drainage call for it.

Apartments and small business insurance

With significant apartment and multifamily housing, apartment and habitational coverage is a real focus. For owners, we structure commercial property on the building, loss-of-rents coverage so income continues after a covered loss, and liability sized to the units and tenants. We also arrange the certificates lenders and the city ask a landlord to carry. In the uncommon case a home here is declined or non-renewed, we can arrange a California FAIR Plan policy paired with a difference-in-conditions wrap so it keeps broad protection. In that arrangement we work for you, not for the FAIR Plan.

The community’s business exposures run largely to small operators. For the shops, offices, contractors, and service businesses along the commercial corridors, retail business insurance, contractors insurance, and office insurance can cover most of them. We build coverage around real operations, including small-business general liability, commercial property, commercial auto, and workers’ compensation.

For the working families that fill North Hills, term life sized to a mortgage and children is the core need. The corridor’s small-business owners often add key person coverage so an operation can carry on without the person who runs it.

Recreational and specialty coverage

Work trucks used off the clock and motorcycles are common here, and each typically needs coverage beyond a standard auto policy, motorcycle insurance among them.

Your coverage team, minutes away in Granada Hills

North Hills coverage spans drivers, homeowners, renters, apartment owners, and corridor businesses. Our team a few minutes away has the range to place all of it, explain earthquake plainly, and be there at claim time.