Homeowners
Review protection for your dwelling, personal property, liability, loss of use, and other structures with a local independent agency.
Learn moreElo Insurance Agency
Coverage for property, liability, vehicles, and businesses
Start with the risk you need to protect. We will help identify available policies and explain the limits, deductibles, conditions, and exclusions that matter.
Personal insurance
Homeowners, renters, personal auto, personal liability, and umbrella insurance can protect different parts of a household’s property and liability exposure. A coordinated review helps identify duplicated coverage, gaps, and underlying-limit requirements.
Property and rental insurance
Owner-occupied homes, condominiums, tenant belongings, landlord buildings, loss of use, loss of rents, flood, earthquake, and wildfire-related exposures may require different policies or endorsements. Standard residential policies do not cover every cause of loss.
Business insurance
Commercial property, general liability, business income, commercial auto, workers’ compensation, professional liability, cyber, crime, and umbrella coverage address different business risks. Contracts and operations should be reviewed before limits are selected.
Additional and specialty coverage
Depending on the exposure and carrier availability, clients may also need earthquake, flood, inland marine, equipment breakdown, cyber liability, employment practices liability, crime, bonds, commercial umbrella, or other specialty coverage. Contact the agency when a type is not listed.
Coverage options
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Landlord & Rental Property
Coverage for single-family rentals, small portfolios, and investment properties in the greater Sacramento area.
Learn moreRenters
Renters insurance may help protect personal property, additional living expense, and personal liability when the building owner’s policy does not cover the tenant’s belongings.
Learn moreAuto
Review liability, uninsured and underinsured motorist, comprehensive, collision, medical payments, rental, and roadside options.
Learn moreUmbrella
Personal umbrella coverage may extend liability protection above qualifying home, auto, landlord, or other underlying policies.
Learn morePersonal Liability
Personal liability protection can respond when a covered claim alleges that you caused bodily injury or property damage.
Learn moreBusiness
Coverage options for contractors, professional firms, property owners, retail, service businesses, and other local operations.
Learn moreWorkers’ Compensation
Workers’ compensation policies may provide statutory benefits to employees and employers liability coverage, subject to policy terms and California law.
Learn moreProfessional Liability
Errors and omissions coverage may respond to covered claims alleging negligence, mistakes, or failure to perform professional services.
Learn moreBusiness Owners Policy
A business owners policy can combine common property, business income, and general liability coverages in one policy for eligible operations.
Learn moreBPO & Real Estate Professional Insurance
Real estate professionals performing broker price opinions may need errors and omissions coverage that specifically addresses those services.
Learn moreStart with a conversation
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