A beach city with a deep tech and creative economy, Santa Monica runs from the Palisades bluffs and the pier to the agency offices near the sand. It also takes in the apartment-heavy blocks between Wilshire and the ocean. Coastal weather, a large rental and habitational base, and steady tourism shape most accounts, and our Los Angeles team arranges high-value home, condo, renters, and business coverage for them.

Home, condo, and renters insurance

For coastal homes near the bluffs, we go through a replacement cost estimator with you to reach a reasonable reconstruction figure, recommend extended replacement cost where available, and schedule valuables through valuables and collections coverage. For the city’s many condo owners and renters, we right-size contents and personal liability with condo insurance and renters insurance, and address loss assessment on shared buildings. With a large rental and habitational base here, condo and landlord coverage are the leading questions, and earthquake sits behind every property. Owners of a rental unit or building get dwelling, loss of rents, and liability. Where a coastal home is hard to place, we can pair a California FAIR Plan policy with a difference-in-conditions wrap.

Our duty runs to you, not to the California FAIR Plan.

Business insurance

Santa Monica pairs a Silicon Beach technology and creative economy with a heavy hospitality and tourism trade. That includes the hotels and restaurants near the beach and pier, a core market for restaurant insurance, and the retail of the Third Street Promenade and Santa Monica Place, which retail business insurance covers. It also includes the law and finance offices, and the agency and startup offices between Wilshire and the ocean, all of which office insurance can cover. Through our business insurance hub we build general liability, commercial property, professional liability and errors and omissions including technology and media coverage, cyber liability, hospitality and liquor liability, and workers’ compensation.

Technology founders and professionals here often hold equity and deferred compensation that estate and permanent life planning can protect, and the city’s business owners fund buy-sell agreements to secure a partner’s stake.

Coastal exposure, flood, and earthquake insurance

Every California property sits in a flood zone, and flood is excluded from home policies statewide, which carries real weight this close to the ocean where storm surge and drainage matter.

Earthquake is excluded from standard policies everywhere and worth weighing given the faults across the Westside, and we review both plainly.

Auto insurance

On the I-10, Lincoln, and PCH, plus dense beach-town street parking, we review liability limits, comprehensive coverage, and uninsured and underinsured motorist coverage.

Recreational and specialty coverage

Boats kept nearby are typically written on boat insurance. High-end bicycles and collector cars each sit outside a standard home or auto policy too, so we cover them on their own terms, typically on scheduled or agreed-value coverage.

Covering a beach town

Accounts here often combine a coastal home or condo, a rental unit, and a business by the beach, and our team places the personal and commercial sides together and stays with you at claim time. The wider area is on our Westside Los Angeles hub.