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Homeowners Insurance

Whether you are a property owner, landlord or renter, home insurance is important for you! As an independent broker, we work for you! 

At KCAL, we pride ourselves in the fact that we diligently find the right insurance company that will help you save money, while still providing adequate protection. We extended our service hours and now provide service seven days a week to make it convenient in finding the help you need, when you need it.

Our Products

With a variety of coverage options, you can feel safe knowing that your property and those who live there are protected. That way, it’ll help you keep your hard-earned money in your pocket.

Homeowners Insurance (HO3)

You’ve worked hard to make your house a home, so it’s important that you keep it protected. We offer a variety of carriers and coverage options and have a wide range of home insurance discounts to help you save money.

Condo/Townhouse Insurance (HO6)

Condo and townhome owners understand that their property is within a community and the community association has its own rules as well as insurance protection. Many owners overlook the insurance protection—oftentimes, it may only protect the common area and exterior of the structure, not covering interior units. We have a wide variety of condo and townhome insurance solutions to bridge the gap in coverage that the community does not provide.

Earthquake Insurance

The one catastrophic disaster California is mainly plagued with is earthquakes. They don’t happen often but history has shown that when they do, they hit with authority. However, the standard non-endorsed home insurance will not cover damages caused by an earthquake. When an earthquake strikes and causes damage to your property, a separate earthquake policy or rider must be purchased when your property is in need of repair or rebuild.

Vacation Short-Term Rental

Do you want to rent out your home a few weekends each year? Or do you have a beach property listed on Airbnb and VRBO full-time? The home insurance you’ll need is not the typical homeowners or rental home insurance policies.  Ask us about our vacation rental insurance programs so you can focus on being the #1 host.

Landlord Insurance (Non-Owner Occupied) - Fire Insurance (DP3)

More and more people are using real estate as a vehicle to accumulate wealth. Whether it’s a single family home occupied by a friend or family member, or a multi-unit four-plex rented out to tenants, we have the solution to protect your investment.

Renters Insurance (HO4)

Just because you currently do not own a home, it doesn’t mean you don’t have assets or have the need for protection. Whether you rent an apartment, a single family home, a penthouse suite, or even just a single room, we’ll have a solution for you.

Personal Umbrella Insurance

With the rising cost of living, rise of real estate value, and rise in litigation costs, the liability coverage on our auto, home or rental property insurance is often too low to protect us in a lawsuit. An umbrella policy is additional personal liability that sits on top of your personal insurance to provide additional liability coverage.

Our Services

At KCAL, the service doesn’t stop at the sale of the policy. Our experienced agents continue to serve our clients after the sale regardless if it’s a change in lifestyle, insurance needs, or claim assistance. As a KCAL home insurance customer, you can enjoy the following one-stop services for free.

Multi carrier comparison at the best rate Policy review and renewal reminder services
Services available in multiple languages Assist with claims, follow ups, and any services needed beyond the first scale
Assist with online payments billing inquiries Open 7 days a week, with online services available
Newest updates on policy information Latest updates on auto insurance discounts

We’ve Selected the Top Insurance Carriers for You

KCAL Insurance Agency has not only partnered with multiple A-rated insurance companies, but also received the VIP Agency Honors Award for many years. We work with our clients to find the best insurance solution.