Insurance, in plain language.

Don’t base the decision on price alone — consider value, the carrier’s claims service and the liability limits that make sense for your assets. Then decide which optional coverages you want.

Ask about discounts (multi-car, multi-policy, good driver, good student), consider a higher deductible if you can afford it, and compare equivalent coverage across carriers — which is exactly what we do for you.

No. Standard homeowners policies exclude both. Earthquake and flood coverage are purchased separately, and flood policies usually have a waiting period.

Your personal belongings, additional living expenses if your rental becomes uninhabitable, and personal liability. Your landlord’s policy does not cover your stuff.

Start with what your family would need if your income stopped: income replacement for several years, debts, education goals and final expenses, minus savings and existing coverage.

Extra liability coverage that sits above your auto and home limits, typically starting at $1 million, protecting your savings and future income from large claims.

Yes. Use our secure policy change form on the Client Services page. Remember: coverage is not bound or changed until confirmed by a licensed agent.

In California, auto insurers may not use credit scores to set rates. Some other lines and states do consider credit-based insurance scores. Ask us how it applies to you.