Local Mission Viejo, California insurance coverage that fits your family & business needs, with a team that knows your name.
Home, auto, and HOA insurance in Mission Viejo, California, our hometown
Mission Viejo isn't just a city we serve. It's where Elye Insurance is headquartered and where our team lives. Our office sits on La Paz Road, and when we're not at our desks we're walking the trails along Oso Creek, catching a game at Saddleback College, or running errands at The Shops at Mission Viejo, just like you. When you call us, you're talking to neighbors who know these streets, these HOAs, and these risks firsthand.
Homeowners insurance in a master-planned city
Mission Viejo was built as one of the largest master-planned communities in the country, so most homes here belong to an HOA, and many date to the 1970s and 80s. Carriers ask about roof age, plumbing, and electrical panels on those homes, and your policy needs to fit with your association's master policy. We shop homeowners and condo coverage across carriers, add loss assessment coverage, and write HOA insurance for associations.
Wildfire on the hillsides and canyons
Neighborhoods along the canyons and open space on the east side of town face real wildfire exposure, especially during Santa Ana winds. The 2007 Santiago Fire burned in the canyons nearby, and the 2022 Coastal Fire destroyed homes in neighboring Laguna Niguel. We help you understand what carriers look for, make sure every wildfire mitigation credit you qualify for is on your policy, and compare private carriers with the California FAIR Plan when needed.
Earthquake, Lake Mission Viejo, and family coverage
Orange County sits among several active faults, and a standard home policy doesn't cover earthquake damage, so we quote it separately. For Lake Mission Viejo residents, we write boat insurance for everything from electric boats to paddleboards. And for families with teen drivers, pools, or rental properties, we pair auto and umbrella coverage with landlord policies.
Insuring the businesses on our block
From the medical offices around Mission Hospital to the restaurants and shops along Crown Valley Parkway and Marguerite Parkway, we insure restaurants, contractors, and local businesses run by the same people we see around town.
Stop by and say hello
Our office is at 27001 La Paz Road, Suite 201, right here in Mission Viejo. Stop by, or call us at 949-550-0040 for a free coverage review. We also serve nearby Lake Forest, Laguna Hills, Laguna Niguel, Rancho Santa Margarita, Ladera Ranch, and San Juan Capistrano, along with communities across California.
Vehicle Insurance
Property Insurance
Personal Insurance
Insurance coverage for your business.
No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages.
Builders Risk
Covers buildings and structures under construction, providing protection against damage from fire, theft, vandalism, and certain weather events. It includes coverage for materials, equipment, and supplies on-site, in transit, or stored off-site, ensuring your construction project is safeguarded until completion.
Garage Keepers
Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, ensuring financial security for automotive businesses such as repair shops, body shops, and parking services.
We go beyond writing policies.
Established by Michael Urbano in 2010, Elye Insurance has belonged to the Mission Viejo community for more than two decades, guiding families, homeowners, and local businesses to the right protection for every stage of life.
We do more than sell policies; we build relationships. Our team takes time to learn your needs, your goals, and your story, so we can design insurance solutions that give you true peace of mind.
"Elye Insurance exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals."
Since 2010, we’ve committed ourselves to protecting families & businesses with tailored insurance solutions grounded in honesty, education, and care.
Michael Urbano
Founder, Elye Insurance
Elye Insurance
Your trusted insurance advisor in Mission Viejo, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Mission Viejo, California.
