Insurance guides
Insurance guides for California drivers and homeowners
Plain-English explainers from our office: what California requires, what drives your price, what to do after a non-renewal or a crash, and how the FAIR Plan works. Each guide ends with a practical next step.
Read before you buy
Guides by topic
Written by our agency for California drivers, homeowners and landlords. We explain the rules and the trade-offs, then link to the official source where it helps.
Auto insurance
3 guides
How much is car insurance in California?
The honest answer is "it depends," but it depends on things you can name. California law ranks the factors insurers must weigh, and…
11 min readUpdated
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California's minimum car insurance (30/60/15)
Starting January 1, 2025, California doubled the minimum injury limits on car insurance and tripled the minimum for property damage. Any…
10 min readUpdated
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What to do after a car accident in California
The first hour after a crash decides a lot: whether anyone's injuries get worse, whether you leave with the information your claim needs…
11 min readUpdated
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Home insurance
3 guides
California FAIR Plan guide
The California FAIR Plan is where a house goes when regular insurers say no. It keeps the home insured against fire, but it isn't a…
11 min readUpdated
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Got a home insurance non-renewal?
A non-renewal letter means your insurer won't offer you another term when this policy ends. It isn't a cancellation, and your coverage…
10 min readUpdated
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Wildfire risk and home insurance in Santa Clarita
Santa Clarita is ringed by brush-covered hills, and insurers price that risk into home policies here. From the 2016 Sand Fire to the 2025…
11 min readUpdated
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Buying insurance
1 guide
Need a quick answer?
The FAQ covers 23 common questions about car, home and business insurance.
What we insure
Coverage pages
Ready to look at a specific policy? Each page explains what it covers, what it leaves out and which carriers we can quote.
Car insurance
California auto policies compared across carriers such as Mercury, Travelers and Bristol West, with the limits explained.
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Home insurance
Homeowners coverage for California houses, plus help finding options after a non-renewal letter.
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Home & auto bundle
The house and the household cars quoted together and separately, so the numbers are easy to compare.
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Landlord insurance
Policies for homes and condos you rent out, with Steadily and Obie among the carriers we can quote.
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SR-22 insurance
Car insurance with the SR-22 the DMV asks for after a DUI, an uninsured accident or certain license suspensions.
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Business insurance
General liability, business owner's policies, work vehicles and workers' comp for small businesses.
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Also:Condo insuranceRenters insuranceEarthquake insuranceClassic car insuranceMercury Insurance agent
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