Coverage built around your life — not a cookie-cutter policy.
From your daily driver to your home and weekend toys, we shop multiple carriers to protect what matters most at a price that fits.
Auto Insurance
Shield your vehicle and your finances from accidents, theft and the unexpected — with rates we shop across multiple carriers. Whether it's a daily commuter on 101 or a teen driver's first car, we compare quotes from several carriers and build a policy around how you actually drive. We'll walk you through every coverage line so you know exactly what you're paying for.
- Liability & property damage
- Collision & comprehensive
- Uninsured / underinsured motorist
- Medical payments
- Rental & roadside assistance
- Multi-car and good-driver discounts
Homeowners Insurance
Protect your home and personal belongings from fire, theft, water damage and liability claims. California's home insurance market has changed dramatically. We know which carriers are still writing in Sonoma and Marin, and when a standard policy isn't available, we'll pair a California FAIR Plan fire policy with a Difference in Conditions (DIC) policy so there are no gaps.
- Dwelling & other structures
- Personal property
- Loss of use / additional living expenses
- Personal liability
- Wildfire & FAIR Plan + DIC options
- Home + auto bundle savings
Renters Insurance
Safeguard your possessions in a rented space — often for less than a few coffees a month. Your landlord's policy covers the building — not your stuff. Renters coverage protects everything from your laptop to your bike, and adds liability protection if a guest is hurt in your home.
- Personal belongings
- Liability protection
- Additional living expenses
- Theft away from home
- Optional valuables coverage
- Bundle with auto
Condo Insurance
Cover your unit, upgrades and belongings — and fill the gaps in your HOA master policy. We review your HOA's master policy alongside your own coverage so improvements, assessments and belongings are protected without paying twice.
- Walls-in / improvements
- Personal property
- Loss assessment
- Personal liability
- Loss of use
- Water backup options
Motorcycle, Boat, RV & ATV
Secure your toys and keep the weekends rolling — on the road, the water or the trail. From a Harley on Highway 1 to a boat on Lake Sonoma or a travel trailer headed to Yosemite, we'll make sure your recreational vehicles have the right coverage for how — and how often — you use them.
- Motorcycles & scooters
- Boats & personal watercraft
- Motorhomes & travel trailers
- ATVs, UTVs & snowmobiles
- Custom parts & equipment
- Full-timer RV coverage
Umbrella Insurance
Extra liability protection that kicks in beyond your auto and home policy limits. A single serious accident can exceed standard liability limits. An umbrella policy protects your savings, home and future earnings for a surprisingly modest premium.
- $1M+ in added liability
- Covers auto & home claims
- Legal defense costs
- Libel & slander protection
- Rental property liability
- Affordable peace of mind
Specialty personal coverage.
SR-22 Forms / Non-Owner's
Need an SR-22 filed with the California DMV? We file quickly and can write non-owner policies if you don't own a vehicle.
Earthquake Insurance
Standard home policies exclude earthquakes. We'll quote CEA and private-market earthquake options for your home.
Life Insurance
Protect your family's future with term or permanent life coverage that fits your budget.
Common questions
How much can I save by switching to an independent broker?
Every situation is different, but because we compare multiple carriers side by side — and look for bundling, good-driver, and safety discounts — many clients find better coverage at a lower price than they had before.
My homeowners policy was non-renewed. What are my options?
Don't panic. We'll shop carriers still writing in your area, including non-admitted markets. If needed, we'll combine a California FAIR Plan policy with a Difference in Conditions (DIC) policy to give you complete protection.
Do I have to come into the office?
No. We conveniently serve everyone in California in person, over the phone, or online through email and e-sign.
Can you file an SR-22 for me?
Yes. We can file SR-22 certificates with the California DMV and write non-owner policies if you don't currently own a vehicle.
Will I work with the same person each time?
Yes. You'll have a dedicated agent who knows your policies — no call centers and no being transferred around.
We'll do the shopping. You do the saving.
Tell us what you'd like to protect and a licensed agent will compare carriers for you — usually the same business day.