Wrapped around its reservoir, Silver Lake steps up the surrounding slopes in mid-century and older homes, with cafes, galleries, design studios, and small tech shops strung along Sunset and Silver Lake Boulevard. Coverage here usually pairs a distinctive hillside home with the creative or technology livelihood that comes with it. As a Los Angeles agency in our own city, we arrange home, condo and renters, auto, business, and life.

Home insurance

For the mid-century and older homes stepping up the hillsides, rebuild cost and slope are typically the leading questions. We walk through the dwelling limit on homeowners insurance against a current rebuild figure from a replacement cost estimator we go through with you, rather than a formula. The neighborhood’s architecture and slope-built construction can cost more to rebuild than a basic limit assumes. We then add extended replacement cost when it is available, and schedule valuables. The streets that climb the hills around the reservoir sit closer to the brush, where carriers score the vegetation and grade around each specific lot. Eligibility can therefore shift from one block to the next. Where a home is declined or non-renewed, we can pair a California FAIR Plan policy with a difference-in-conditions wrap so it keeps broad protection beyond the fire peril the plan covers alone.

In that arrangement your household is our client, not the FAIR Plan.

Earthquake is excluded from standard California home policies here as it is statewide, and given the age of much of the housing we walk through separate earthquake insurance as part of the review.

Auto insurance

With tight hillside streets, heavy on-street parking, and city driving, break-ins and fender-benders are common. So we recommend liability limits on auto insurance that fit your assets, and add uninsured and underinsured motorist and comprehensive coverage for theft and vandalism. We also cover the hybrids and electric vehicles common in the neighborhood.

Business insurance

We build restaurant insurance for the cafes, restaurants, and bars around Sunset Junction, and retail business insurance for the galleries, boutiques, and design shops along the boulevards. We also build coverage for the small technology and creative studios that give Silver Lake its character. That coverage is built around real operations, including general liability insurance, restaurant and liquor liability, a small-business owners policy, and commercial property insurance written with older buildings in mind. It also includes professional and technology errors and omissions for client work, and cyber liability insurance for the data they hold.

Life insurance

For families and owners here, we size life insurance to a household, an income, and long-term responsibilities in plain terms. Young creative and professional couples buying a first home typically start with term life set to a mortgage, and the founders among them add key person and buy-sell coverage as a business grows.

Recreational and specialty coverage

High-end bicycles and classic cars are the specialty threads here, and each needs coverage beyond a standard home or auto policy.

For Silver Lake’s homes and small businesses

A client here might own a mid-century home on a hillside street and run a cafe or a creative studio. Our team can place a home, an auto program, and a business program together and stand with you at claim time. Nearby character-home communities are on our Northeast Los Angeles sub-hub.