Independent brokerage covering Larkspur, Corte Madera, Greenbrae, Kentfield and Ross from our San Rafael office at 9 Vivian Street. Auto, home, renters, condo, landlord, business and SR-22 — including California FAIR Plan placement when a Marin home has been non-renewed.
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Mon–Fri 10am–6pm · Sat 10am–3pm · English y Español
Yes — Via Rapida Services is an independent insurance broker serving Larkspur from our office at 9 Vivian Street in San Rafael, about four miles and ten minutes up Highway 101. We are licensed across California (CA License #6003045), we write auto, home, renters, condo, landlord, business and SR-22 coverage for Larkspur, Corte Madera, Greenbrae, Kentfield and Ross, and we are open Monday through Friday 10am–6pm and Saturday 10am–3pm. Walk in without an appointment or call 209-670-1556.
The difference between a broker and an agent matters more in Larkspur than in most of California. A captive agent represents one insurance company and can only offer you that company’s answer. An independent broker represents you, and quotes several carriers on the same risk. In central Marin that is not a convenience — it is often the difference between getting a policy and being told no. Large stretches of the Larkspur, Corte Madera and Kentfield hillsides are mapped by CAL FIRE as High or Very High Fire Hazard Severity Zones, and carriers do not treat those zones the same way as each other. One company’s decline is another company’s standard risk.
That wildfire pressure is measurable statewide. The California FAIR Plan — the state’s insurer of last resort, not a public program but a pool all admitted carriers must participate in — has seen its residential policy count grow several times over since 2018 as standard carriers pulled back from high-hazard zones. If your Larkspur homeowners policy was non-renewed, a FAIR Plan dwelling policy paired with a separate difference-in-conditions policy for liability and theft is usually the answer, and we place both.
Two more things worth knowing before you call. Earthquake: no California home, condo or renters policy includes it, and the USGS puts the probability of a magnitude 6.7 or larger Bay Area earthquake at roughly 72% before 2043 — the San Andreas fault runs just west of Larkspur. Fees: at our San Rafael office a broker fee may apply depending on the policy. We disclose the exact amount in writing before you commit, every time, so you never learn about it after you have paid.
| Coverage | What It Protects | Who Usually Needs It in Larkspur | Common Limit | Typical Cost |
|---|---|---|---|---|
| Auto | Liability, comprehensive, collision | Every Larkspur driver | 15/30/5 CA minimum or higher | Quoted per driver |
| Homeowners (HO-3) | Dwelling, contents, liability, loss of use | Larkspur homeowners | Rebuild cost | Quoted per home |
| Renters ★ | Personal property, liability, living expenses | Larkspur & Corte Madera tenants | $25,000 / $100,000 | $14–$26 / month |
| Condo (HO-6) | Interior, contents, liability, loss assessment | Condo & townhome owners | Varies by HOA master policy | Quoted per unit |
| Business / BOP | General liability + commercial property | Larkspur Landing & Magnolia Ave businesses | $1M / $2M common | $500–$3,000 / year |
| SR-22 Filing | DMV financial-responsibility filing | After a DUI or suspension | Statutory | Filed same day |
Auto, home and condo premiums are quoted individually — they depend on the property, the driver, the fire hazard zone and carrier appetite, which changes in Marin year to year. Renters and business ranges are typical Marin figures, not quotes. Call 209-670-1556 for real numbers.
Larkspur, Corte Madera, Greenbrae, Kentfield and Ross residents: our nearest office is 9 Vivian Street, San Rafael, CA 94901 — roughly ten minutes from downtown Larkspur. Open Mon–Fri 10am–6pm, Sat 10am–3pm. Bilingual English/Spanish, ITIN accepted, no appointment needed. Start with car insurance quotes, renters insurance, home insurance, or business insurance.
Call 209-670-1556 WhatsAppEight lines of coverage we write for Larkspur, Corte Madera, Greenbrae, Kentfield and Ross — plus the two nobody is automatically covered for.
Liability, comprehensive and collision for Larkspur, Corte Madera and Greenbrae drivers. Under California’s Proposition 103 your driving record, annual mileage and years of experience must outweigh every other rating factor — which is exactly why comparing several carriers is worth three minutes.
Standard HO-3 policies where carriers will still write, and California FAIR Plan placement plus a difference-in-conditions policy where they will not. Central Marin’s wildfire mapping makes this the coverage most worth shopping.
Typically $14–$26 a month in Marin for $25,000 of property and $100,000 of liability. Most Larkspur and Corte Madera apartment communities require it in the lease. Same-day certificate of insurance.
Larkspur and Corte Madera have a large condo and townhome stock. HO-6 covers what your HOA master policy does not: interior finishes, personal property, liability, and loss assessment.
Dwelling-fire policies for owners renting out a Larkspur or Greenbrae unit. A homeowners policy does not cover a tenant-occupied property — a claim on the wrong policy form is how owners find out.
General liability, BOP, commercial auto and workers’ compensation for Larkspur Landing, Magnolia Avenue and Corte Madera small businesses. Certificates of insurance issued the same day.
Same-day electronic SR-22 filing with the California DMV after a DUI, an at-fault accident without insurance, or a license suspension. We file it and place the underlying auto policy together.
Neither is included in any standard policy. California Earthquake Authority policies and NFIP flood coverage are quoted separately — we can put all of it on one page so you see the real total.
We represent you, not one insurance company. On a Larkspur home in a mapped fire hazard zone that is often the difference between a decline and a placed policy, because carriers underwrite those zones very differently from each other.
Our office at 9 Vivian Street in San Rafael is roughly four miles up Highway 101. Walk in without an appointment Monday–Friday 10am–6pm or Saturday 10am–3pm.
A broker fee may apply at our San Rafael office depending on the policy. You see the exact amount in writing before you commit — never afterward, and never buried in a signature page.
Every conversation, form and policy handled in English or Spanish. We accept ITIN numbers and do not ask about immigration status. Licensed statewide, CA License #6003045.
Call, WhatsApp, or walk into 9 Vivian Street in San Rafael — bilingual service, no appointment needed.