Serving Stockton · San Jose · San Rafael since 2013  |  ¡Hablamos Español!
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San Jose, CA · Home & Renters

Home & Renters Insurance.San Jose & Santa Clara County.

Visit our San Jose office at 25 N. 14th St. to compare home and renters insurance across multiple carriers. In Silicon Valley's high-cost housing market, the right coverage — at the right price — matters more than ever. We bundle home and auto for a discount on both.

Independent broker — we shop multiple carriers
Bundle with auto insurance for a discount
Condo and HOA unit coverage available
Se habla español — fully bilingual agents
Earthquake risk considerations for South Bay
No broker fees on standard policies
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Real rates · Takes about 3 minutes
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No broker fees on standard policies · Bilingual · Se habla español

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Mon–Fri 10am–6pm · Sat 10am–3pm · Se habla español

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What We Cover

Home and renters insurance options for San Jose.

San Jose's housing market is one of the most expensive in the country — protecting your home or rental with the right policy is essential. As an independent broker, we compare carriers and find coverage that fits Silicon Valley living and your budget.

Homeowners Insurance

Covers your dwelling, personal property, liability, and additional living expenses. Essential for San Jose homeowners in a high-value market.

Renters Insurance

Your landlord's policy does NOT cover your belongings. San Jose renters insurance protects your property — often under $20/month.

Condo Insurance

HOA master policies have gaps. Condo insurance covers your unit's interior, personal property, and liability beyond what the HOA provides.

Bundling Discount

Bundle home or renters with your auto insurance for a discount on both. Our San Jose agents compare bundled rates across carriers.

Earthquake Considerations

Standard policies don't cover earthquakes. The South Bay sits near major fault lines — we'll help you understand your options for earthquake coverage.

Liability Coverage

Protects you if someone is injured on your property or you accidentally damage others' property in Santa Clara County.

FAQ

San Jose home insurance questions answered.

Does my San Jose landlord's insurance cover my belongings?
No. Landlord policies cover the building — not your furniture, electronics, clothing, or personal items. Renters insurance fills that gap and is typically very affordable even in San Jose.
Do I need earthquake insurance in San Jose?
Standard homeowners and renters policies exclude earthquakes. San Jose is close to the Hayward and Calaveras faults, making earthquake coverage worth considering. We can walk you through available options and the California Earthquake Authority (CEA) program.
What does condo insurance cover that my HOA doesn't?
HOA master policies typically cover the building exterior and common areas — not your unit's interior finishes, appliances, personal belongings, or personal liability. Condo insurance fills those gaps.
Can I bundle home and auto insurance in San Jose?
Yes — most carriers offer a multi-policy discount for bundling. Our San Jose agents at 25 N. 14th St. will compare bundled rates across carriers to find your best combined price.
¿Tienen agentes que hablan español en San Jose?
Sí — our San Jose office has bilingual agents. You can get your home or renters quote, ask questions, and manage your policy entirely in Spanish.
Related Services

Other services you may need.

Home & Renters Insurance →Home Insurance Stockton →Auto Insurance San Jose →Business Insurance San Jose →Life Insurance →

Protect your San Jose home or apartment.

Walk in or call — we'll find your best rate at our San Jose office at 25 N. 14th St.

Call 209-670-1556Get a Quote Online