Read this before you sign anything.
These guides explain the parts of a California policy that decide what you are actually covered for: how non-renewals work, what the FAIR Plan does and does not do, why earthquake coverage is separate, and what an umbrella limit sits on top of. Written to be read once and understood.
You'll know what's excluded before you sign.
In insurance since 1981Independent agencyCA Lic. 0606906
Every guide we have written.
A step-by-step guide for California homeowners with a non-renewal notice: what it means, what to gather, and how the FAIR Plan compares. Call (714) 777-3939.
The FAIR Plan is basic fire coverage, not a homeowners policy. What it includes, what it leaves out, and what a companion policy adds. Call (714) 777-3939.
Your homeowners policy excludes earthquake. How California Earthquake Authority coverage is built and how its deductible actually works. Call (714) 777-3939.
A captive agent represents one insurance company; an independent agent is appointed with several. What that means at quoting and renewal. Call (714) 777-3939.
Dwelling amount, water backup, roof settlement, ordinance and law, and five more things to read on the declarations page before you sign. Call (714) 777-3939.
When California coverage is required, how a workers' comp policy is rated on payroll and class code, and who counts as your employee. Call (714) 777-3939.
An umbrella sits above your home and auto liability limits. Who it fits, what limits it requires underneath, and what its exclusions are. Call (714) 777-3939.
Have a notice in front of you?
If a letter arrived and you want to know what it means before you read a guide, call and read it to us. We'll tell you what it says and what the next step is.
One local agency for everything you insure.
Your home, your cars, your business, your retirement questions — one agency, one phone number, and a licensed agent who already knows your file when you call. Michael Duvall Insurance Agency has been placing coverage since 1981. We're an independent agency, so we can quote several California-admitted carriers and show you the differences in writing.
- Home, auto, and business in one place
- Independent agency, several carriers
- Exclusions read with you before signing
- Licensed across California
Not sure what you need? Call (714) 777-3939.
Call (714) 777-3939Still Not Sure? Talk to a Licensed Agent.
Call and describe what you have. We'll tell you what your policy does and does not cover, in plain terms, before anything is signed.
Email
Office
3910 Prospect Ave, Unit C, Yorba Linda, CA 92886