Your home is more than just a roof over your head; it's likely your biggest financial investment and the place where memories are made. As Carlsbad's trusted home insurance specialists, we ensure your sanctuary is protected against the unexpected.
Authorized Mercury Insurance Agent: Get Mercury's "Home & Auto" bundle discount through Advanced Brokers.
From coastal properties in Carlsbad Village to family homes in San Marcos and luxury estates in Rancho Santa Fe, every home has unique risks. We help you navigate the complexities of California's insurance market—including wildfire zones—to find comprehensive coverage that gives you peace of mind.
Complete Home Protection
Dwelling Coverage
Pays to rebuild or repair the physical structure of your home if it's damaged by fire, smoke, wind, or other covered perils.
Personal Property
Covers your furniture, electronics, clothing, and other belongings. We can also add special riders for high-value jewelry and art.
Personal Liability
Protects your assets if someone is injured on your property or if you accidentally cause damage to others (e.g., your dog bites a neighbor).
Loss of Use
Pays for additional living expenses (hotel, food) if your home becomes uninhabitable due to a covered claim.
⚠️ Important: Flood & Earthquake
Standard homeowners policies DO NOT cover damage from floods or earthquakes. In California, these are critical gaps. We can help you secure separate policies to ensure you are fully protected against these natural disasters.
Our Personal Insurance Solutions
Homeowner’s Insurance
Protect your most valuable asset with comprehensive coverage tailored for your home and lifestyle.
Auto Insurance
Drive with confidence knowing you have reliable protection for you and your vehicle.
Umbrella Insurance
An extra layer of liability protection that extends beyond your standard home and auto policies.
Landlord Insurance
Protect your rental properties and your rental income from the unique risks that come with being a landlord.
Life Insurance
Ensure your family's financial security and leave a lasting legacy for those you love most.
Long Term Care
Protect your independence and assets with coverage for the future care you may need.
Trusted Carrier Partners
Home Insurance FAQ
How much dwelling coverage do I need? ▼
You need enough coverage to rebuild your home at current construction costs, which is often different from your home's market value or tax assessment. We use specialized tools to estimate replacement costs accurately.
What affects my home insurance premium? ▼
Key factors include the age of your home (especially the roof and plumbing), proximity to fire stations and hydrants, your claims history, and coverage limits. Installing security systems and smart home devices can often earn you discounts.
Is my jewelry covered? ▼
Standard policies have low sub-limits (e.g., $1,500) for theft of jewelry, watches, and furs. If you have valuable items, we recommend "scheduling" them (adding a rider) to insure them for their full appraised value with no deductible.
Protect Your Home Today
Get a comprehensive home insurance quote tailored to your property's unique needs.
Get a Home Quote