Personal, Property & Business Coverage
One place for the policies that protect your home, your vehicles, your business, and your family.
Property Coverage
Whether you own, rent, or rent out, property coverage pays to repair or replace what you have when fire, water, theft, or weather strike — and it backs you with liability protection if someone is hurt on the premises. In California that increasingly means pairing a standard policy with FAIR Plan, earthquake, or flood coverage.
Homeowners Insurance
Dwelling, contents, and liability protection for the house you live in — including rebuild costs that reflect today’s construction prices.
Get a quote →Condo Insurance
Covers your unit’s interior, your belongings, and loss assessments the master policy leaves to you.
Get a quote →Renters Insurance
Inexpensive protection for your belongings and your liability when you rent.
Get a quote →Landlord Insurance
Dwelling-fire coverage, loss of rent, and liability for the property you lease to tenants.
Get a quote →Fire & FAIR Plan
When the standard market declines a wildfire-exposed home, Jennifer builds coverage through the California FAIR Plan plus a companion policy for what the FAIR Plan excludes.
Get a quote →Flood Insurance
Homeowners policies exclude flood; a separate NFIP or private flood policy fills that gap.
Get a quote →Earthquake Insurance
Stand-alone earthquake coverage for the one risk every Californian shares.
Get a quote →Commercial Property Insurance
Coverage for buildings, tenant improvements, and business contents you own or lease — from storefronts and offices to warehouses and mixed-use buildings.
Get a quote →Vehicle Coverage
Auto and recreational-vehicle policies pay for damage to your vehicle and, more importantly, for the injuries and property damage you may cause to others. Jennifer reviews liability limits, uninsured-motorist coverage, and deductibles so a bad day on the freeway doesn’t become a bad year.
Auto Insurance
Liability, collision, comprehensive, and uninsured-motorist coverage for cars and trucks, with every available discount applied.
Get a quote →Motorcycle Insurance
Year-round coverage for your bike, your gear, and your liability on the road.
Get a quote →Motorhome / RV Insurance
Coverage for the vehicle, its contents, and the time you spend living in it.
Get a quote →Off-Road / ATV Insurance
Protection for side-by-sides, quads, and dirt bikes on and off the trail.
Get a quote →Business Coverage
Commercial policies protect the business you have built from lawsuits, property losses, and vehicle accidents that would otherwise come out of your own pocket. Jennifer works with small businesses, contractors, and property investors across California.
Business Owners Policy (BOP)
Property and general liability in one package for small businesses.
Get a quote →General Liability Insurance
Defense and damages when a customer or third party claims injury or property damage.
Get a quote →Commercial Property Insurance
Coverage for buildings, tenant improvements, and business contents you own or lease — from storefronts and offices to warehouses and mixed-use buildings.
Get a quote →Construction / Builders Risk
Protects a structure and materials while it is being built or renovated.
Get a quote →Other Types of Insurance
Not every risk fits a standard policy. If what you need to protect isn’t listed here, ask — Jennifer has access to specialty markets for the unusual, the high-value, and the hard-to-place.
Life Insurance
Term and permanent life policies sized to the mortgage, the kids, and the income your family would need to replace.
Get a quote →Personal Umbrella Insurance
An extra layer of liability protection above your home and auto limits, usually for less than you expect.
Get a quote →Jewelry Insurance
Scheduled coverage for rings, watches, and heirlooms — worldwide, with no deductible.
Get a quote →Collectibles Insurance
Agreed-value protection for art, wine, cards, and collections a homeowners policy would cap.
Get a quote →