California Independent Agents

California Insurance: All Your Needs Met in One Place

Get help from one of our California independent agents

They understand your risks and will find you the coverage you need.

Most Popular Insurance Coverages in California

Home Insurance

The coverage you need to protect your home and everything in it.

Auto Insurance

The right protection for you, your car, and others on the road.

Business Insurance

Broad protection that covers you, your employees, and customers.

Workers' Compensation

Valuable employee coverage for work-related injuries and illnesses.

Why Choose an Independent Insurance Agent in California?

California Insurance FAQ

Many insurance companies in California offer home, car, and business insurance. The following are some of the best insurance companies in California:

  • Nationwide: Nationwide services individuals as well as businesses of all sizes. The company is headquartered in Columbus, OH, and is represented by independent insurance agents in 50 states, including California. 
  • Travelers: Travelers can meet your California personal and business insurance needs with a full line of products. The company is based in Hartford, CT. 
  • Progressive: Progressive is based in Ohio but offers business and personal insurance across all 50 states, including California. California residents and business owners can look to Progressive for most of their business and personal insurance needs. 
  • Liberty Mutual: Liberty Mutual is headquartered in Boston, MA, and has been offering business insurance since 1912. Today the company offers a flexible, multiline range of coverages designed to meet the needs of any business, regardless of size or industry. 
  • Safeco: Safeco has been protecting individuals and families with personal insurance coverage since 1923. With a comprehensive range of insurance coverage, Safeco can help you protect what’s important to you.

An independent insurance agent in your area can help you learn more about these and other CA insurance companies. A local agent can help you get competitive quotes for the coverage that fits your California insurance needs.

Homeowners insurance in California covers numerous risks to your property, including damage caused by fires, severe weather, theft, and more. Your policy includes the following types of property coverage:

  • Dwelling coverage: Pays to repair or replace your damaged home and attached structures.
  • Personal property coverage: Pays for damage to your insured personal property, such as furniture, clothing, artwork, and so on.
  • Other structures coverage: Covers any detached structures located on your property (e.g., sheds, fences, detached garages).
  • Temporary living expenses coverage: Pays for additional living expenses (e.g., hotel bills, food, etc.) if you are forced to live somewhere else while your home is being repaired after a covered loss. 

Homeowners insurance in California also includes personal liability coverage. It provides coverage if you or a resident of your household is responsible for causing property damage or an injury to someone else. 

A local independent insurance agent can help you find homeowners insurance in California. 

If you own a vehicle in California, you are required to purchase car insurance. California drivers must have the following liability coverage at a minimum in order to comply with the law: 

  • $15,000 for injury/death to one person
  • $30,000 for injury/death to more than one person
  • $5,000 for damage to property

Bodily injury liability insurance covers you if you are at fault in an accident and someone other than yourself is injured. Property damage liability insurance covers damage to another person's vehicle or property in an accident that is your fault.

You can include several other coverage options in your car insurance policy in California. You may select coverages such as uninsured/underinsured motorist coverage, medical payments/personal injury protection, collision insurance, comprehensive insurance, gap insurance, towing and roadside assistance, rental car reimbursement, and more. 

Contact an independent insurance agent in California for the coverage you need. 

A typical business insurance package in California will include the following types of coverage, at a minimum:

  • Business property insurance: Covers damage to a building and its contents if damaged by a weather event, fire, theft, vandalism, and other covered perils. 
  • Business interruption (loss of use) insuranceProtects your earnings if your business cannot operate because of damage after a fire, hail, wind, equipment breakdown, or another covered event. If you must close your doors temporarily to repair or rebuild your business after a covered event, this coverage pays for rent, employee salaries, lost income, relocation fees, etc.
  • General liability insurance: Protects your business from lawsuits related to bodily injury and property damage claims. It pays for medical expenses, legal fees, and financial settlements or judgments. 

These policies can be purchased individually or as part of a specialized package policy designed for your industry. 

Most businesses will need additional coverage for complete protection. Depending on the size of your business and the type of work that you do, you might need: 

Small businesses in California may qualify for a business owners policy, which combines property coverage, business interruption coverage, and general liability coverage into one affordable package policy designed for the needs of small- to medium-sized businesses.

Whether you purchase your policies individually or as a package designed for your industry, your business insurance will protect you when your property is damaged or if your business is responsible for harming someone or damaging someone else’s property. 

Contact an independent insurance agent in California for the coverage you need. 

Workers’ compensation insurance in California entitles employees to receive medical treatment for work-related injuries or illnesses, no matter who is at fault. In return, employers are protected from being sued by employees for their on-the-job injuries. 

California employers with one or more employees are required by state law to have workers’ compensation insurance. There are a few exceptions to the rule, so it’s important to understand how the law impacts your specific business. 

Workers’ compensation insurance in California provides the following coverage for injured workers:

  • Medical care
  • Temporary disability benefits
  • Permanent disability benefits
  • Supplemental job displacement benefits and a return-to-work supplement
  • Death benefits

Contact a local independent insurance agent to help you find workers’ compensation insurance in California.

Restaurant insurance in California typically consists of a group of business insurance policies that respond to unexpected events that can cause a financial loss. You need this coverage to protect your business from things like fires, severe weather, theft, and accidents or injuries that occur on your property. 

Most restaurants in California need a customized package of property, liability, automobile, crime, and other business insurance policies that protect them from a variety of risks. It’s a good idea to work with an independent insurance agent in California and an insurance company that both specialize in restaurant insurance. 

Commercial vehicle insurance in California protects your business autos in the same way that your personal car insurance protects your personal vehicle. 

In California, you can purchase a commercial vehicle policy that covers your business, personal, non-owned, or hired policies in one packaged policy. Each vehicle can be scheduled on the policy with its own corresponding coverage. 

While each vehicle must be covered with the minimum liability coverage required by California law, commercial vehicle policies in California often feature a Combined Single Limit for bodily injury and property damage liability coverage rather than separating the two types of liability protection as you would with a personal auto policy. This creates higher limits for both types of coverage, with typical combined single liability limits of $500,000 or $1,000,000.

Certain larger vehicles, vehicles that participate in interstate commerce, and vehicles that carry hazardous substances may have additional federal liability coverage requirements, depending on the type of vehicle and how it’s used.

In addition to liability coverage, commercial vehicle insurance policies in California may also include optional coverage such as uninsured/underinsured motorist coverage, collision insurance, comprehensive insurance, and more. 

Contact an independent insurance agent in California to learn more about your commercial vehicle insurance options. 

Both your car insurance and home insurance in California provide limited amounts of liability coverage. Liability insurance pays for repairing or replacing the damaged property of others. It also pays for medical expenses for injured parties, and it even pays your attorney fees, court costs, and any financial settlements or judgments you have to pay if you are sued. 

The policy limits included with your auto or home insurance policy may not be sufficient to cover a very large financial settlement. 

Umbrella insurance in California offers excess liability coverage that kicks in when the limits of an underlying policy—including homeowners insurance, renters insurancecondominium insurance, or auto insurance—have been exhausted. 

An umbrella insurance policy in California provides expanded coverage, including covering you worldwide. It might also cover a few circumstances that the underlying policy does not, such as claims for libel, slander, and false imprisonment. 

Renters occupy almost 45% of homes in California. Whether you rent an entire home or an apartment in California, it is a wise decision to carry renters insurance

Renters insurance in California provides financial protection for the loss or destruction of possessions when you rent your home. Renters insurance in California covers you for losses related to the following:

  • Fire 
  • Smoke
  • Lightning
  • Vandalism 
  • Theft (including personal items stolen from your car, but not the car itself)
  • Explosion
  • Windstorm and water damage (not floods) 

Renters insurance also provides liability coverage. Liability coverage protects your assets when you, a family member, or a pet injures someone at your home or somewhere else. It will pay for your legal defense costs as well as any judgments levied against you if an injured party sues you. 

Talk to a local independent insurance agent to find renters insurance in California.

Life insurance in California is an important way to protect your family’s financial security. In general, life insurance pays a lump-sum death benefit to your beneficiaries in the event of your death. This money can help your family pay your debts, final expenses, and estate taxes. It can even be a source of inheritance for them. 

The two main types of life insurance in California are:  

  • Term life insurance: Provides protection for a certain period of time (e.g., 10, 20 or 30 years) and is typically used to provide for some final expenses and income replacement for your dependents. 
  • Permanent life insurance: Offers a long-term savings or investment component along with survivor death benefits. 

Contact an independent insurance agent to learn more about life insurance in California.

Searching for the best and most affordable insurance products can be frustrating and confusing. That’s why it pays to have an experienced insurance professional in your corner.

Instead of getting an online quote, find an independent insurance agent in California now, and get a one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.  

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation. 

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