Home, auto, life, landlord, umbrella, and high net worth coverage — compared across broad carrier markets. Independent advice, independent guidance and coordinated coverage.
HO3, HO5, E&S, and high net worth programs for California homeowners. Wildfire, earthquake, and replacement cost coverage across admitted and non-admitted markets.
California personal auto — liability, UM/UIM, collision, comprehensive, and rideshare coverage. Prop 103 protections. many California drivers are uninsured or underinsured — review your UM/UIM limits.
Term, whole life, universal, and IUL for California families. Independent broker comparing 50+ carriers to find the right coverage at competitive options for your health profile.
DP1, DP3, and E&S dwelling policies for California rental property owners. A standard homeowners policy may not cover tenant-occupied rentals — landlord insurance is usually a separate policy.
Additional liability protection above eligible home and auto policies, with limits commonly starting around $1M. Pricing and eligibility vary by household and carrier.
High-net-worth programs for complex California homes and households, including broader property, valuables, umbrella, and collections coverage when available.
Why an Independent Broker
Captive agents sell one company's products. Bollinsure shops the full market — broad carrier markets — and recommends coverage options that fit your household.
We access the full California insurance market — admitted carriers, E&S lines, specialty programs, and high net worth carriers — all in one conversation.
We compare available options across the market and explain the tradeoffs so you can choose the coverage structure that fits your household.
Multi-policy coordination across home, auto, umbrella, and life ensures no gaps, correct underlying limits for umbrella, and premium bundling where it makes sense.
Your risk profile changes — home values, new drivers, life events. We can review your coverage at renewal and after major household changes.
Common Coverage Combinations
We structure your personal insurance program as a whole — coordinating coverage, limits, and premiums across every policy you need.
The core personal risk program for California homeowners. Bundle all three with coordinated limits — your umbrella requires minimum underlying home and auto limits to activate properly.
California rental property owners need both a homeowners policy on their primary residence and a separate landlord policy on each rental property. The umbrella covers liability across all.
High net worth California households benefit from a coordinated program — high-net-worth home coverage, higher-limit umbrella coverage, life insurance for estate planning, and auto across all vehicles.
How It Works
We start with a 15-minute conversation to understand your home, vehicles, family, and assets. No forms — just a conversation.
We shop every relevant carrier — relevant available markets — and identify the best combination of coverage, price, and carrier stability for your profile.
We structure your full coverage program — coordinating limits, identifying gaps, and confirming your umbrella underlyers are correct.
Annual reviews, renewal review support, and claims support when you need it most. You keep one broker relationship for service and review support.
FAQ
At minimum: homeowners insurance (HO3 or HO5), personal auto insurance, and a personal umbrella policy. If you own rental property, a separate landlord policy for each rental. Life insurance is strongly recommended for anyone with dependents or a mortgage. High net worth individuals should explore Chubb, PURE, or AIG Private Client programs for their home.
Yes. Bollinsure handles all personal lines — homeowners, auto, life, landlord, umbrella, and high net worth — in a single broker relationship. As an independent broker we compare broad carrier markets across every line, and we coordinate coverage to ensure there are no gaps between your policies.
A personal umbrella provides $1M–$5M in additional liability coverage above your home and auto policies. It activates when an underlying policy's limit is exhausted, and it also covers some claims that home and auto don't. For any California homeowner with a home, savings, or income to protect, a personal umbrella is one of the best-value policies you can buy — typically $200–$400/year for $1M in coverage.
No. Standard homeowners policies cover owner-occupied residences. The moment you rent your property to a tenant, your HO policy may deny claims. California landlords need a separate dwelling fire policy (DP1 or DP3) specifically designed for non-owner-occupied rental properties. We place these for single-family, multi-family, and short-term rental properties.
HO3 provides open-perils coverage on the dwelling and named-perils on personal property. HO5 provides open-perils on both the dwelling and personal property — and typically includes broader coverage for valuables, no co-insurance requirement, and replacement cost on contents. For higher-value homes and those with significant personal property, HO5 is worth the modest premium difference.
Independent brokers access the full market — broad carrier markets in our case — rather than being limited to one company's products. We recommend coverage options that fit your householdr risk profile, not what's most profitable for us. We can also restructure your coverage at every renewal, shopping the full market each time rather than defaulting to the same carrier year after year.
Serving All of California
We review your complete personal risk profile — home, auto, life, rentals, and umbrella — and find the best coverage across broad carrier markets. Free, no obligation.