Family Owned and Operated since 2002

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• Homeowners - Coverage provided for the owner occupied dwelling.  Comprehensive insurance Protection for the dwelling against fire and vandalism, smoke, falling objects, to name a few covered perils.  For your personal property against theft, damage and fire and liability for bodily injury or property damage for which you are held liable.

• Dwelling Fire - Coverage for property you own that is used as a rental or seasonal dwellings.  Coverage for the dwelling against fire and vandalism, smoke falling objects to name a few covered perils.  For rental property, fair rental value.  Pays for your loss rents while damages are being repaired.  Personal and premise liability coverage in case there is an accident which causes you to be held liable.

• Condominium - Your homeowners association protects the outside of the condo.  Your condominium coverage protects your personal possessions, such as furnishings, clothing and appliances.  If you have to leave your residence due to a covered loss, Loss of Use will cover the added expense over and above your routine living expenses.  Liability protection in case of and injury you may be liable for.

• Secondary Homes - Dwelling fire policy for the home you occupy occasionally or is a seasonal home.  Coverages can be tailored to fit your needs with coverage for the dwelling, personal property, loss of use or rents, and liability.

• Renters - Coverage for your personal possession in case of fire, theft or water damage as these possession are not covered by your landlords policy.  Coverage for loss of use and liability are also included.

• Mobile & Manufactured Homes - Comprehensive coverage for your home.  Whether you owner occupy or use it as a rental property, whether the home is in a park or on personal property, coverage for the mobile or manufactured home against fire, vandalism, smoke or falling objects is available.  Your personal possessions and liability are also included.

• Vacant Home Insurance - Vacant home insurance is a specialized type of insurance designed to protect homes that are unoccupied for an extended period. Regular homeowners insurance policies may void or reduce coverage when a property is vacant for 30 days or more, making vacant home insurance necessary to cover potential risks like vandalism, theft, fire, and weather-related damage. 

• ADU (Accessory Dwelling Unit) - While homeowners insurance typically covers the main dwelling, it may not adequately cover the specific risks associated with an ADU. ADU insurance helps protect homeowners from financial losses due to damage from fire, wind, vandalism, or other covered perils. It provides liability coverage if a tenant or guest is injured on the property or if there are property disputes. If the ADU is rented out, it can help cover lost rental income if the unit becomes uninhabitable due to a covered event.

• Commercial Auto - If you are a business person, sales, contractor, delivery, etc., you are in need of commercial auto insurance.  From pickup trucks, vans, dump trucks, tractor trailers, you need specialize coverage.  Higher liability limits, DMV or State filings, medical payments, comprehensive and collision coverages are available.

• Garagekeepers - Primarily covers damage to customer vehicles that occurs while the vehicle is in the garage's possession, whether for repairs, storage, or other services. This type of insurance is crucial for businesses that regularly handle customer vehicles, such as auto repair shops, dealerships, and service stations.

• General Liability - For covered perils, this provides protection for damages legally owed to others as a result of your business.  From bodily injury, property damage to personal and advertising injury.

• Commercial Umbrella - If you are a business owner, you protect your business with property and liability insurance.  However, there are instances where the basic coverage is either not enough or it excludes coverage.  The commercial umbrella policy is over your basic coverage.

• Workers Compensation - If your business has employees, it is mandatory in California that you carry a Workers Compensation policy.  This is a protection for your employees in case of an injury in the course of their employment.

• Business Owners Policy - This policy can be designed around the needs of your business.  Along with Liability and Property coverage, coverages such as business income protection, accounts receivable, equipment breakdown, valuable papers and records, money and securities, employee dishonesty, forgery, and outdoor signs, to name just a few, can be included.