🏡 Coverage for Every Kind of Home
No two homes—or homeowners—are the same. That’s why we tailor your coverage based on your property type, location, and risk profile. From high-end estates to first apartments, we’ve got you covered:
🔹 High-Value Homes
Custom-built homes, historic properties, or residences exceeding $1M+ in replacement cost. We work with carriers who specialize in fine homes and offer features like extended replacement cost, cash settlement options, and coverage for luxury furnishings or finishes.
🔹 Standard Suburban Homes
Whether it's your first home or your forever home, we’ll place you with a reliable carrier offering full protection without unnecessary add-ons.
🔹 Homes in Brush or Wildfire Zones
If you’ve been dropped or declined due to fireline scores or brush maps, we’ll help you secure coverage through the CA FAIR Plan with wrap-around options that restore full protection—including liability, theft, and water damage.
🔹 Older Homes
We make sure policies account for outdated systems, foundation risks, or limited replacement availability. Where needed, we can help quote updated coverage forms like HO-8 or recommend key endorsements for peace of mind.
🔹 New Builds & Renovated Homes
Recently built or fully remodeled? You may qualify for discounts or preferred rates. We'll help you take advantage of modern construction credits and ensure your policy reflects actual rebuild value.
🔹 Seasonal & Secondary Residences
Whether it’s a weekend getaway or a vacation rental, we’ll find a policy that protects your property whether you're there or not—and we’ll address the specific risks of part-time occupancy or short-term rentals.
🔹 Tenants & Condo Owners
Even if you don’t own the structure, you still face risks—fire, theft, liability, and temporary displacement. We tailor policies to your living situation and budget.
🔒 What We Cover
🏡 Homeowners Insurance
For primary homes, vacation properties, and high-value residences
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Dwelling & structural coverage
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Detached structures (fences, garages)
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Personal belongings
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Loss of use (temporary housing)
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Personal liability
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Medical payments for guests
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Wildfire, earthquake, and high-risk solutions available
🏢 Condo Insurance (HO-6)
Tailored coverage for the interior of your unit and your belongings
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Personal property
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Upgrades/improvements (flooring, cabinetry, etc.)
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Loss assessment coverage
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Liability and medical payments
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Works in tandem with your HOA’s master policy
🏘️ Renters Insurance
Affordable protection for tenants in apartments or leased homes
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Personal property (clothing, electronics, furniture)
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Temporary living expenses (if your unit becomes uninhabitable)
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Personal liability protection
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Medical payments to others
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Landlord not responsible for your belongings—this covers you
💸 Discounts Available
We help you uncover every discount available to lower your premium without sacrificing coverage:
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Multi-policy (home + auto + umbrella)
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Claims-free history
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Fire and burglar alarm systems
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New roof or renovation credits
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Gated community or HOA member discounts
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Wildfire mitigation efforts
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Loyalty or early quote discounts (depending on carrier)
🙋 Frequently Asked Questions
Do renters really need insurance?
Yes! Your landlord’s policy doesn’t cover your belongings or liability. Renters insurance is very affordable and protects you from major loss or liability claims.
What’s the difference between homeowners and condo insurance?
Homeowners insurance covers the entire structure you own. Condo insurance (HO-6) covers just the inside of your unit and your personal property. Your HOA covers the building itself.
What if I live in a high-risk area or wildfire zone?
We can help. If standard markets won’t insure your home, we can use the CA FAIR Plan and wrap coverage to get you protected.
Is my jewelry or artwork covered?
Only to a limited extent. For high-value items, we recommend adding a Personal Articles Floater (PAF) for full coverage. We can quote it for you alongside your home policy.
How do I know if I have enough coverage?
We’ll walk through the rebuild cost of your home or the replacement value of your belongings and help you select limits that fit your real exposure—not just what fits a template.
🔁 Bundle & Save
Ask us about bundling with:
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Auto Insurance
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Earthquake Coverage
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Umbrella Liability
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Jewelry, art, and collectibles
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Rental or investment property coverage
📞 Let’s Get You Covered
From new homeowners to longtime renters to first-time condo buyers—we’re here to help you feel secure and informed. Let’s talk coverage, not just cost.