San Jose
Our home office sits on Camden Avenue in San Jose, and most of our clients are within a few miles of it. We write everything from Willow Glen bungalows and Almaden Valley homes to downtown retail and light-industrial operations near Monterey Road.
Santa Clara
Santa Clara households and tech employers get the same multi-carrier treatment — homeowners and auto for families near Santana Row, and tech E&O, cyber and workers' compensation for firms along the Great America corridor.
Sunnyvale
Sunnyvale's mix of older single-family homes and dense new apartments means we write a lot of both replacement-cost homeowners policies and renters coverage that satisfies property-manager requirements.
Fremont
Fremont sits close to the Hayward fault, so earthquake coverage and realistic dwelling limits come up in nearly every conversation. We also insure Warm Springs contractors and warehouse operations.
Cupertino & Saratoga
Higher home values in Cupertino and Saratoga call for larger dwelling limits, scheduled valuables and personal umbrella policies. Wildland edges near the foothills also raise brush-scoring questions with carriers.
Milpitas & Campbell
Milpitas logistics and manufacturing businesses need commercial auto, cargo and property programs; Campbell's small retail and restaurant owners are usually a strong fit for a Business Owner Policy.
Palo Alto & Mountain View
We support Peninsula professional service firms with errors and omissions, employment practices and cyber coverage, and their owners with high-limit home, auto and umbrella programs. Mountain View's older Eichlers and newer downtown condos each need their own approach to replacement cost.
Los Gatos
Los Gatos properties near the foothills and Highway 17 corridor draw close wildfire brush scoring, so we pair home hardening documentation with admitted-carrier shopping — and place CA FAIR Plan with a difference-in-conditions wrap when the standard market says no.
Morgan Hill & Gilroy
South county properties face brush exposure and, in some areas, creek flooding. We coordinate standard homeowners, CA FAIR Plan placements and standalone flood policies for these communities.
Santa Clara, Alameda & San Mateo Counties
Beyond individual cities we serve the full Bay Area county footprint, and as a California-licensed independent agency we can write policies statewide — from Sacramento to San Diego.