Personal Insurance

Standard homeowners policies in California do not cover earthquake damage. Given the Bay Area's seismic activity, earthquake insurance is strongly recommended. We can help you find affordable earthquake coverage through carriers like the California Earthquake Authority (CEA) and private options.

Homeowners insurance covers the structure of your home, your personal belongings, and liability. Renters insurance covers only your personal belongings and liability — your landlord's policy covers the building itself. Both are important, and renters insurance is typically very affordable.

An umbrella policy provides extra liability coverage beyond the limits of your auto and homeowners policies. For example, if you're found liable for a serious car accident that exceeds your auto policy limits, your umbrella policy kicks in. It's an affordable way to protect your assets.

As an independent broker, we shop your auto insurance across multiple carriers — including Chubb, Hartford, Mercury, Progressive, Safeco, and more — to compare rates and coverage. We look at the full picture, not just the price, to make sure you're properly covered.

No. Flood insurance specifically covers damage from rising water, storm surge, and overflowing rivers. Water damage from burst pipes or a leaking roof is typically covered by your homeowners policy, not your flood policy. We can help you understand exactly what's covered.