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.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
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Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
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Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
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Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
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Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
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Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
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Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
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Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
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Don’t see your business? Tell us what you do.
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 Mission Viejo, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Mission Viejo, California.