Protection designed for the place you call home.

Homeowners Insurance

Your home is one of your most important investments — and living in the Bay Area brings unique risks that deserve the right protection. From rising construction costs to wildfire smoke, earthquakes, and unpredictable weather, we help Albany and East Bay homeowners choose coverage that truly fits their property, budget, and neighborhood.

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What’s Included

Coverage built for Bay Area homes.

California homes face some of the highest rebuild costs in the country. Add in dense neighborhoods, aging infrastructure, and the region’s seismic risk, and having strong homeowners coverage becomes essential. We’ll guide you through every coverage option so you can feel confident your home — and the people in it — are fully protected.

Dwelling Coverage

Helps pay to repair or rebuild your home after a covered loss. With Bay Area construction costs at all-time highs, we make sure your coverage reflects today’s rebuild values, not outdated estimates.

Personal Property

Covers belongings like furniture, clothing, electronics, and valuables. Ideal for protecting items at home or away — especially important with the region’s higher rate of theft and break-ins.

Liability Protection

Protects you financially if someone is injured on your property or if you accidentally cause damage to someone else’s. This coverage is crucial for homes with visitors, pets, or shared spaces.

Loss of Use

Provides funds for temporary housing if your home becomes uninhabitable after a covered event — a critical safeguard given the high cost of temporary rentals in the Bay Area.

Medical Payments

Covers minor injuries to guests without involving liability claims, keeping small accidents simple and stress-free.

Extended & Optional Coverages

Options such as earthquake endorsements, water backup, scheduled valuables, wildfire mitigation programs, and building code upgrades — all tailored to California homeowners.