Help when you need it.
Report a claim, schedule a policy review, or get answers to common insurance questions.
Had an accident or a loss?
Take care of everyone’s safety first. Then follow these steps — and call us anytime for help.
Stay safe & document
Make sure everyone is safe, call 911 if needed, and take photos of the damage and the scene.
Call your carrier
Report the claim using the number on your policy or ID card. Many carriers offer 24/7 claims lines.
Let us know
Call our office at (415) 897-2000. We’ll help you through the process and follow up with your carrier.
Has your life changed? Your coverage should too.
Life events can leave you under-insured — or paying for coverage you no longer need.
- Bought or sold a home, car, boat or RV
- Remodeled or added on to your home
- Added a teen driver to your household
- Got married, had a baby or retired
- Started a business or home office
Common insurance questions.
How much auto liability coverage should I carry?
California’s legal minimums are low compared with the cost of a serious accident. Many households choose limits well above the minimum — and add an umbrella policy for extra protection. We’ll help you decide what fits your assets and budget.
Does homeowners insurance cover earthquakes?
Standard homeowners policies in California exclude earthquake damage. Separate earthquake coverage is available, and we can help you compare options and deductibles.
What’s the difference between term and whole life insurance?
Term life covers you for a set period (like 10, 20 or 30 years) and is usually the most affordable. Whole and universal life are permanent policies that can build cash value. The right choice depends on your goals.
Do I need separate insurance for my boat or RV?
Usually, yes. Homeowners and auto policies offer limited or no coverage for boats and motorhomes. A dedicated policy protects the vehicle, your gear and your liability.
What is an umbrella policy?
A personal umbrella adds extra liability coverage — often $1 million or more — on top of your auto, home and watercraft policies. It’s one of the best values in insurance.
How can I lower my premiums?
Bundling policies, raising deductibles, keeping a clean driving record, and installing security or fire alarms can all help. We’ll look for every discount you qualify for.
Let’s find the right coverage for you.
Get a free, no-obligation quote online in minutes — or call and talk with a real person.