Your property & assets
You've worked hard to get where you are--protect it.
As the climate changes, and drought and fires threaten California and the West, more and more homeowners are finding it difficult to obtain quality property insurance. A surprising number of homes in the Foothills, Hollywood Hills, Studio City, Malibu, Aliso Viejo, and all over Los Angeles and Orange Counties are close to open brush and therefore are in tricky insurance situations.
We help homeowners navigate these situations.
The good news about earthquakes is that ... at least they aren't hurricanes! It's been a few years since a major earthquake in California has gone beyond rattling the dishes, but that just means that our fault lines are winding up for The Big One. Be prepared with earthquake insurance. We provide policies not only from the California Earthquake Authority (CEA), which is quasi-governmental, but also from private insurers such as Golden Bear, Palomar, Icat, and GeoVera.
Tip: older homes can qualify for a discount if they've been retrofitted.
Whether you own a "fine automobile" or just a big "mobility appliance," the most important component of Auto Insurance is protecting you and your family from lawsuits and medical bills as a result of a crash. Whether it's your fault or not, who will pay the medical bills, mechanical bills, attorney fees, for your lost wages, and other damages that may be a result of a crash? And how can you have the confidence that an insurance company will live up to its promises? We provide the personal services and reliability that only your own "insurance person on your side" can provide.
Electric Bikes and Motorcycles
Electric cars are pretty cool, but eBikes are really dynamite as the way to save the planet and enjoy the (lightly assisted) thrill of bicycling freedom. But did you know that insurance policies cover regular bicycles and slower-speed eBikes differently than higher-speed eBikes? And although bicycles and motorcycles are so much lighter than cars, there is still some of the same risks of a crash. Let us help you sort it out.
Rental Properties - Landlord Protection
Landlords can get a discount on policies if they screen tenants for:
HO-4 Tenant Insurance Policy on File
Also, 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 help you!
California FAIR Plan + a "Wrap"
Did you get the boot from your last insurance company? Perhaps there was a rash of burst pipes in your HOA? (This is very common...lots of less than stellar construction quality in the 1980s and 90s.) Or, is your property near some hilly areas with open brush? Private companies are increasingly turning off the spigot on new businesses, and you may not be able to find any insurance companies who are willing to offer coverage.
For these situations, the FAIR Plan will provide basic fire insurance up to $3,000,000. We'll help you apply, and also pair it with a DIC "wrap" policy that fills in the missing coverages.