Renters insurance covers your things, not the building.
Your landlord's policy pays for the building. It pays nothing for your belongings, your liability, or a hotel if the unit becomes unlivable. A renters policy covers those three things. We write it with California-admitted carriers and send proof straight to your property manager.
You'll know what's excluded before you sign.
In insurance since 1981Independent agencyCA Lic. 0606906
Renters insurance covers your things, not the building.
Your landlord's policy pays for the building. It pays nothing for your belongings, your liability, or a hotel if the unit becomes unlivable. A renters policy covers those three things. We write it with California-admitted carriers and send proof straight to your property manager.
You'll know what's excluded before you sign.
In insurance since 1981Independent agencyCA Lic. 0606906
What does renters insurance actually pay for?
Four things, and the liability piece is the one most tenants underestimate.
Your personal property
Furniture, clothing, electronics, and bikes, on or off the premises. Choose replacement cost rather than actual cash value so a five-year-old laptop is replaced, not depreciated.
Personal liability
Defends and pays if a guest is injured in your unit or you damage the building. This is also the limit your landlord's lease usually specifies.
Loss of use
Pays for a hotel and extra costs while the unit is being repaired after a covered loss.
What it does not cover
Flood and earth movement are excluded. Roommates are not covered unless they are on the policy. High-value jewelry and instruments need to be scheduled.
Not sure this is the one? Start with what happened.
You are moving to California and your policies need to move with you.
Your renewal arrived and you want someone to look at it properly.
Your renewal arrived with a higher premium and no explanation of what changed.
Escrow needs proof of insurance before your loan can fund.
Why people move their policies here.
What it's like to have one agency for everything.
You'll know what's excluded before you sign
We go through what the policy does not pay for — water backup, roof settlement, ordinance and law, wildfire smoke limits — while you can still change it. Surprises belong before the claim, not after.
The same two people know your whole file
Home, auto, business — it's all with the same office, and the same two people remember your last call. You never start over with someone new or re-explain your house at renewal.
Choices, explained side by side
We're an independent agency. We put several California-admitted carriers next to each other and show you the differences in writing, so the decision is yours to make.
Straight answers, in their words.
“PLACEHOLDER_ verbatim Kevin Cox review pending. Quote as written, including the typo; trim with an ellipsis if needed.”
“PLACEHOLDER_ verbatim Joni Mckamey review pending (names Tony).”
“One call, every policy in the house, and the same person every time.”
The things we can say plainly.
Independent agency
Choices from more than one company
Since 1981
Same office, same phone number
CA Lic. 0606906
Licensed throughout California
Written by people down the street
Licensed across California. Local to Orange County.
Anyone in California can call — we quote by phone and email and place policies statewide.
Orange County
- Yorba Linda
- Anaheim Hills
- Placentia
- Brea
- Fullerton
- Anaheim
- Orange
- Villa Park
- La Habra
- Buena Park
- Tustin
- Santa Ana
- Irvine
Los Angeles County
- Whittier
- La Mirada
- Diamond Bar
- Rowland Heights
- Walnut
San Bernardino County
- Chino Hills
Riverside County
- Corona
Need something alongside your renters policy?
Coverage for the structure, what's inside it, and your liability — quoted with California-admitted carriers.
Liability, collision, and uninsured motorist coverage written with California-admitted carriers.
Life insurance for the people who depend on your income, plus annuities, disability, and business life.
Individual and group medical, dental, and vision, including enrollment through Covered California.
HO-6 coverage for the part of the unit the HOA master policy leaves to you.
Coverage for a property someone else lives in — the building, your liability, and the rent while it is being repaired.
Renters questions, answered plainly.
My landlord requires renters insurance. What limits do I need?+
How much personal property coverage should I pick?+
Does my roommate need their own policy?+
Tell us what's in the unit. We'll quote it.
A licensed agent sets the property and liability limits against what your lease requires, quotes California-admitted carriers, and sends proof to your property manager.
- 1Call or send the form
- 2We read your current policy
- 3You see the options side by side