Local California insurance coverage that fits your family & business needs, with a team that knows your name.
Homeowners, wildfire, and earthquake insurance across California
Elye Insurance has helped California families protect their homes since 2010, from our office in Mission Viejo. Few states make home insurance harder to get right. Wildfire exposure drives which carriers will write a home, earthquake and flood both fall outside a standard homeowners policy, and carriers have tightened their rules on location, roof condition, and home age. We shop multiple carriers, explain your options in plain English or Spanish, and review your coverage every year as the market shifts.
California's homeowners market
Carriers underwrite each California home closely. They look at wildfire exposure, brush clearance, roof age and material, and the age of the electrical and plumbing systems. When private carriers say no, the California FAIR Plan serves as the state's insurer of last resort. Because the FAIR Plan is a limited policy, it is usually paired with a companion difference in conditions policy to fill in liability, theft, and water damage. We compare the FAIR Plan against private options and help you move back to the private market when it makes sense. We also cover condos, rental properties, renters, and high-value homes.
Wildfire exposure and home hardening
From the Sierra foothills to the canyons of Southern California, a home's distance from brush and open land shapes both availability and price. Steps such as maintaining defensible space, installing ember-resistant vents, and upgrading to a fire-rated roof can improve your options and may qualify for discounts. We'll walk you through what carriers ask about and make sure every credit you qualify for is on the policy.
Earthquake and flood insurance
Standard homeowners policies exclude both earthquake and flood. Earthquake coverage is written separately, typically with a deductible set as a percentage of the dwelling limit, so we help you weigh deductible against premium. Winter storms can also flood homes well outside high-risk zones, especially near rivers, levees, and recent burn areas. We quote both NFIP and private flood policies. NFIP coverage typically has a 30-day waiting period, so it needs to be in place well before the rainy season.
Auto, farm, and business coverage
We round out your protection with auto, boat, and umbrella coverage. For farmers and business owners, we also write farm insurance and business insurance, from business owners policies to commercial property.
Where we work in California
From our office in Mission Viejo, we serve households and businesses in cities across California, along with the communities around them.
Central Valley: Modesto, Stockton, Turlock, Merced, Manteca, Tracy, Lodi, Sacramento, Fresno, Clovis, Madera, Visalia, Tulare, Hanford, Bakersfield
Bay Area and Central Coast: San Francisco, Oakland, San Jose, Salinas, San Luis Obispo, Santa Maria, Santa Barbara
Southern California: Mission Viejo, Ventura, Oxnard, Thousand Oaks, Santa Clarita, Lancaster, Los Angeles, Pasadena, Long Beach, Anaheim, Irvine, Santa Ana, Huntington Beach, Riverside, San Bernardino, Temecula, Palm Springs, Oceanside, San Diego
The numbers behind our protection.
In more ways than one, insurance is a numbers game. Elye Insurance has the experience and expertise to properly protect your business for years to come.
Years experience insuring families & businesses owners.
Customer satisfaction with all five star google reviews.
Policies written for families & business owners.
5.0
Five stars on Google. Zero arm-twisting.
We don’t ask you to take our word for it. Here’s what our neighbors say after working with us.
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Kyle was fantastic to work with when helping me with both landlord insurance and umbrella insurance. He is extremely knowledgeable, professional, and really knows his stuff. He took the time to explain my coverage options clearly, answered … More all of my questions, and made sure I understood what would best fit my needs. His expertise and attention to detail gave me confidence that I was making the right decisions to protect my properties and assets. I highly recommend Kyle to anyone looking for insurance guidance from someone who is experienced, trustworthy, and genuinely helpful. -
I have used Elye insurance for not only my personal, but also business life. They beat everyone’s prices and always pull through with the best coverage. They are quick to answer any questions you might have regarding any insurance and are … More very knowledgeable . Since I’ve had Dillon’s number at Elye insurance my life has genuinely gotten easier and more efficient. Can’t say enough great things about this company.
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Dillon was a model of customer service! He has an amazingly positive attitude and was easy to engage. He went above and beyond to listen and find solutions for a house I was purchasing with an 18 year old roof. He was remarkably responsive … More and able to find me coverage that was hard to find elsewhere. I would highly recommend Elye Insurance.
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Elye Insurance has been phenomenal in every aspect- service, efficiency, and overall quality. Their team is incredibly responsive, professional, and always available to handle any questions or needs I have.I’ve been with them for about … More three years now and have zero complaints. I have both my life and auto insurance policies through them, and the experience has been seamless from day one.If you’re in the market for insurance and want a company that genuinely takes care of its clients, I highly recommend Elye Insurance. You won’t regret it!
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I was referred to Dillon Persinger. The person who referred me to him said he is the best and let me tell you Dillon truly is the best.If you’re looking for an insurance guy who can find you a solid policy, is incredibly responsive, kind, … More direct, helpful, responsible, and knowledgeable - just call and ask for Dillon. I plan on referring everyone I know to him. If I have future insurance needs, I will go back to him.Insurance is a tricky area so it was really important to me to find someone I could trust. Dillon at Elye Insurance is that person for me. And I’m writing this review because I fully believe he can (and will) be that person for other people too.
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For the time I have been with Elye Insurance as my agents, I have always received top-notch service. The staff is knowledgeable, responsive, and takes the time to explain policy details to ensure I have the best coverage. It is rare to … More find such personalized care these days. I highly recommend Elye Insurance to anyone looking for a trustworthy insurance agency.
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Elye Insurance rocks! Dillon is the most knowledgeable and helpful insurance agent we have ever worked with. His attention to detail and quick response to calls and emails is exceptional. In these days of policy cancellations and fewer … More options available, Dillon was still able to find us the perfect solution.
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I would like to give kudos to Dillon at Elye Insurance! I have worked with him on many occasions for insurance for my many homeowners associations. He always goes above and beyond and gets his clients the best insurance for the best price. … More Along with his professionalism and trustworthiness, his positivity and sense of humor can’t be beat. I highly recommend Dillon for all of your insurance needs.
Providing insurance strategies for families & business owners in California.
- Anaheim, California
- Bakersfield, California
- Clovis, California
- Fresno, California
- Hanford, California
- Huntington Beach, California
- Irvine, California
- Lancaster, California
- Lodi, California
- Long Beach, California
- Los Angeles, California
- Madera, California
- Manteca, California
- Merced, California
- Mission Viejo, California
- Modesto, California
- Oakland, California
- Oceanside, California
- Oxnard, California
- Palm Springs, California
- Pasadena, California
- Riverside, California
- Sacramento, California
- Salinas, California
- San Bernardino, California
- San Diego, California
- San Francisco, California
- San Jose, California
- San Luis Obispo, California
- Santa Ana, California
- Santa Barbara, California
- Santa Clarita, California
- Santa Maria, California
- Stockton, California
- Temecula, California
- Thousand Oaks, California
- Tracy, California
- Tulare, California
- Turlock, California
- Ventura, California
- Visalia, California
…and all other cities, towns, and neighborhoods throughout California.
We believe in providing top-notch insurance products and services to our clients, and that requires working with the best financial institutions available.
Most people collect insurance one piece at a time: a general liability policy here, an auto policy there, a business policy from someone else. We take a more holistic approach. Because we write a full book of coverage across your entire commercial insurance needs, we can look at the whole picture, see where things overlap or leave gaps, and help it all work together.
For your business life and employees, that means your business operations, your property, your employees, your vehicles, and the umbrella coverage that ties them together, along with specialty needs. For California business property owners, it also means real guidance on earthquake and wildfire exposure, hurricane and flood, and the difficult market many of us are navigating.
Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, Elye Insurance
Your trusted insurance advisor in California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in California.