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Home Insurance

As your local insurance agent, we make sure that your home and possessions are fully protected so that you can rest assured, knowing that a fire, windstorm, theft, or lawsuit won't wipe out the love and investment that you've put in to building your home and assets.

Preferred Homeowners Insurance

Well-Maintained homes with a clear claims history, that are new construction or older homes with new roofs and updated electrical & plumbing systems are eligible for the best rates and coverage.

 

Earthquake Insurance

Deductibles as low as 2.5%!  

Coverage for your pool!  Does your policy exclude coverage for pools, or limit coverage to only $3,000? Coverage for swimming pools, spas and hot tubs, whirlpool baths, fish ponds, and decorative pools, including all concrete, stone, tile or similar decking material, and all related equipment.

 

Specialty Homes, Rental Properties, and Difficult-to-Insure Dwellings

Are you having trouble finding insurance for your home, condo, or rental property?  Certain types of properties can be difficult to insure—We can do it!

Hillside homes with brush exposure to wildfire. A surprising number of homes in the Foothills, Hollywood Hills, Studio City, Malibu, Aliso Viejo, and Orange County have this difficulty—We can do it!

The hillside areas of Los Angeles are at risk of wildfire. Homeowners insurance for at-risk areas.

Vacation Homes & Short-Term Rentals.  Are you renting out your home to Airbnb or VRBO guests?  This violates most homeowners insurance contracts, may not be covered under a standard policy, and may result in a policy cancellation—We can do it!

Rentals/Investment Properties.  Have you set up an LLC or other business entity, or are you the landlord of many tenants?  We provide Dwelling Fire insurance policies to cover your risk as a landlord.

Other Types of Difficult-to-Place Insurance—We can do it!

 

  • Log or adobe homes
  • Hobby farms.
  • Previously cancelled, declined or non-renewed.
  • Dwellings under construction or major renovation.
  • Customers with unusual or exotic animals, pets that have caused harm or an unacceptable breed of dog (An exclusion for Animal Liability must be added when breed is Akita, American Staffordshire Terrier, Chow, Doberman Pinscher, Pit Bull, Presa Canario, Rottweiler, wolf hybrid or any dog that is a mix that includes one or more of the breeds listed above.)
  • Lapse in coverage. 

DISCOUNTS

  • Claim-free discounts.
  • Newer properties.
  • Multiple properties.
  • New purchase discount.
  • Roof type (Spanish clay tile or concrete tile).
  • Customers over age 50.
  • Members of landlord associations.

Affinity Discount. Members of the following groups are eligible:

  • USAA
  • Armed Forces Insurance

Landlords can get a discount on policies if they screen tenants for:

  • Criminal Background
  • Credit Check
  • Eviction Search
  • HO-4 Tenant Insurance Policy on File 

 

 
Auto Insurance

Your Citrust Insurance Agent will help to insure you and your auto, motorcycle, RV, boat, or classic car.  Auto insurance isn't just protecting your vehicle, it's protecting you.  If you're involved in a collision or crash, who will pay the medical bills, mechanical bills, attorney fees, and for your lost wages and other damages that result?  We work to make sure that your insurance policy fits you specifically, so that an insurance company pays those bills.  Hopefully, you'll never have that crash, but your insurance policy should give you peace of mind from the knowledge that you've worked with an insurance expert to create an insurance policy customized to you.

 

Preferred Auto Insurance

Our agency represents Safeco Insurance (a Liberty Mutual company), QBE Insurance, First American, and several other companies to insure good drivers who have relatively clear driving records.  

 

Non-Standard Auto Insurance

Auto Insurance for new or young drivers, drivers with credit problems, drivers with multiple crashes/tickets/DUIs, people who want only the bare minimum coverage that is required by law, and those with an unusual driver’s license status. 

 

Fun: the "Toys"

We also insure specialty vehicles and watercraft.

Motorcycles. Coverage for custom or classic motorcycles, touring bikes, sport bikes, cruisers, trike conversions, imports, and scooters.

Boats. Coverage for watercraft including bass boats, cruisers, fishing boats, pontoons, runabouts, sailboats, catamarans, utility boats, and personal watercraft.

Motor Homes & Travel Trailers. Coverage for Class A, B and C motor homes, camping trailers, truck-mounted trailers and fifth-wheels, and all types of personal-use RVs.  Coverage also available for motor homes used as full-time residences.

Collectible Autos (Antiques & Classics). A Collectible Auto is used mainly for exhibitions, club activities, parades and other functions of public interest. Here are some examples:

  • Antiques
  • Replicars
  • Muscle cars
  • Classics
  • Customs
  • Woodies
  • Exotics
  • Hot rods
  • Kit cars
  • Foreign and American sports cars

Modified Autos including chopped, channeled, lowered, chromed, Frenched or flamed, or powered by a flathead, hemi, mouse motor, side oiler, Caddy or an Olds rocket.

 

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