Personal Insurance
Coverage Built for California Living
From beachfront homes to mountain cabins, I find the right protection for where you live — and the unique risks that come with it.
Your Home, Your Car, Your Life — Protected
Living in Southern California is extraordinary. It's also uniquely risky. Wildfires, coastal flooding, earthquakes, and high property values mean your coverage needs to be thoughtful — not just a box checked. As an independent agent, I shop dozens of top-rated carriers to build a policy that actually fits your life.
Homeowners Insurance
Protect your biggest investment. Whether you own a beachfront bungalow, a hillside retreat, or a suburban home, I'll find coverage that accounts for local risks like wildfire, coastal flooding, and earthquake exposure.
- Dwelling and personal property coverage
- Liability protection
- Loss of use / additional living expenses
- Wildfire and brush zone specialists
- High-value home coverage available
Auto Insurance
From PCH commutes to mountain road adventures, your vehicle deserves solid coverage. I compare rates across multiple carriers to get you the best combination of price and protection.
- Liability, collision, and comprehensive
- Uninsured / underinsured motorist
- Roadside assistance
- Multi-vehicle discounts
- Classic and collector car coverage
Renters Insurance
Your landlord's policy doesn't cover your stuff. Renters insurance is affordable, fast to set up, and protects your personal property, liability, and living expenses if something goes wrong.
- Personal property protection
- Liability coverage
- Additional living expenses
- Earthquake and flood add-ons available
- Often under $20/month
Umbrella Insurance
An umbrella policy adds a critical extra layer of liability protection above your home and auto policies. Essential for homeowners, landlords, and anyone with significant assets to protect.
- Extends liability limits by $1M or more
- Covers gaps in home and auto policies
- Protects savings and future earnings
- Affordable — often $200–$400/year
- Required by many lenders and HOAs
Earthquake Insurance
Standard homeowners policies don't cover earthquake damage. In California, that's a serious gap. I can help you find standalone earthquake coverage or a CEA policy that fits your home and budget.
- Dwelling and personal property coverage
- Loss of use benefits
- CEA and private market options
- Retrofit discounts available
- Condo and renters earthquake coverage
Flood Insurance
Coastal and canyon properties face real flood risk — and most homeowners policies exclude it. I'll help you understand your flood zone and find the right NFIP or private flood policy.
- Building and contents coverage
- NFIP and private flood options
- Coastal and canyon property specialists
- Lender-required flood coverage
- Competitive private market rates
Coverage for California's Unique Risks
Southern California's beauty comes with real hazards. I know this area — and I make sure your policy is built around what can actually happen here.
Wildfire
Brush zone and high-fire-risk area specialists
Earthquake
CEA and private earthquake policy options
Coastal Flooding
NFIP and private flood coverage for coastal homes
Mudslide & Debris Flow
Canyon and hillside property expertise
Let's Find the Right Coverage for You
I'll compare options from top carriers and build a policy that fits your home, your car, and your life — no pressure, no jargon.