We Get It. California's Insurance Market Is Absolutely Brutal Right Now.

21% rate increases projected for 2025. Policy cancellations hitting 2.8 million homeowners. Major insurers fleeing the state. If you're shopping for homeowners insurance right now, you're probably frustrated, stressed, and wondering if anyone actually cares about protecting your home anymore. Here's the truth: We do.

Why California Homeowners Are Getting Crushed (And How We're Different)

The big insurance companies are playing it safe—canceling policies, jacking up rates, and leaving families scrambling. Meanwhile, you're stuck trying to close on a home or renew coverage in a market that feels completely broken.

As an independent agency with extensive carrier relationships, we're not tied to any single company's panic decisions. When State Farm says no, we have multiple other options. When Allstate raises rates 40%, we shop your coverage with carriers who still want your business.

What Your Home Insurance Actually Needs to Cover:

• Your Home Structure: Fire, storms, theft, vandalism—the basics that rebuild your life

• Personal Belongings: Furniture, electronics, clothing—whether damaged at home or stolen elsewhere

• Additional Living Expenses: Hotel and meal costs when your home is uninhabitable

• Liability Protection: Medical bills and legal fees if someone gets hurt on your property

• Wildfire Coverage: Because in California, this isn't optional anymore

Real Talk: The Market is Tough, But We Make It Work

We won't sugarcoat it—homeowners' insurance in California is expensive right now. But here's what we CAN do:

• Shop multiple carriers to find coverage others can't

• Bundle discounts with auto insurance (often saves 15-25%)

• Risk mitigation credits for security systems, fire-resistant materials, etc.

• Payment plans that don't break your monthly budget

• Claims advocacy when you need us most

Get Your Quote Fast, Not Weeks Later

Call (855) 867-0002 or get your quote online. We handle everything by phone—no office visits required in this crazy market. Because your home deserves protection, not excuses.