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  • About
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FAQs

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  2. FAQs
  • What wildfire mitigation discounts are available in California?

    California requires insurers to offer discounts to homeowners who take qualifying steps to reduce wildfire risk, under the state's Safer from Wildfires regulation. Upgrades that can count include a Class ...

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  • Can my insurance company drop me because of my roof in California?

    Yes. A California insurer can decline or nonrenew a homeowners policy because of roof condition, but it has to follow state rules when it does. Insurers generally must give at ...

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  • How does an earthquake insurance deductible work in California?

    Earthquake insurance in California usually has a deductible set as a percentage of your dwelling coverage, often between 5% and 25%, and it is separate from your homeowners deductible. For ...

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  • Why is homeowners insurance so expensive in California?

    California homeowners insurance has become more expensive mainly because of wildfire losses, rising rebuilding costs, and fewer carriers writing new policies. Major wildfires over the past decade led to billions ...

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  • What’s the difference between Collision Physical Damage Coverage and Comprehensive Physical Damage Coverage?

    Collision Physical Damage Coverage is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking ...

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  • I have an older car that currently has a very low market value. Do I really need to purchase automobile insurance?

    Most states have insurance laws that require drivers to have at least some automobile liability insurance. These laws were enacted to ensure that victims of automobile accidents receive compensation ...

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  • What factors can affect the cost of my automobile insurance?

    A number of factors can affect the cost of your automobile insurance, some of which you can control and some that you can’t. The type of car you drive, ...

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  • Do I need insurance if I rent my restaurant space?

    Absolutely. You’ll need general liability and often property coverage for your contents and equipment. Get a quote started here.

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  • Can you review my current insurance?

    Yes! We’ll check for gaps and make sure you're not overpaying—no charge, no obligation. Let's taco🌮 bout it. here.

    Read MoreRead More
  • How much does restaurant insurance cost?

    It depends on the size of your restaurant, whether you serve alcohol, and how many employees you have. Most policies start around $150/month.

    Read MoreRead More
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Mission Viejo CA Office
27001 La Paz Rd, Ste 201
Mission Viejo, California 92691
Phone: 949-550-0040

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Mon-Fri 8:30am – 5:30pm

Sat, Sun, and evenings by appointment only, or click here to start your insurance quote online.

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About Us

Elye Insurance is a Mission Viejo CA based insurance agency, founded in 2010. We’re dedicated to helping families and businesses find reliable, affordable coverage from top-rated carriers. Protecting what matters most with care, integrity, and experience.

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Proudly offering commercial insurance for businesses, and homeowners association insurance (HOAs) in all of California, including Anaheim, Bakersfield, Clovis, Fresno, Hanford, Huntington Beach, Irvine, Lancaster, Lodi, Long Beach, Los Angeles, Madera, Manteca, Merced, Mission Viejo, Modesto, Oakland, Oceanside, Oxnard, Palm Springs, Pasadena, Riverside, Sacramento, Salinas, San Bernardino, San Diego, San Francisco, San Jose, San Luis Obispo, Santa Ana, Santa Barbara, Santa Clarita, Santa Maria, Stockton, Temecula, Thousand Oaks, Tracy, Tulare, Turlock, Ventura, Visalia, and the surrounding areas.

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details. Your eligibility for particular products and services is subject to final underwriting and acceptance by the insurance company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Be sure to read the policy, including all endorsements, or prospectus, if applicable.

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