Local Modesto, California insurance coverage that fits your family & business needs, with a team that knows your name.
Home, auto, and farm insurance in Modesto, California
Modesto is the seat of Stanislaus County and sits in the heart of the northern San Joaquin Valley. The Tuolumne River and Dry Creek run through town, Highway 99 cuts through its center, and orchards, dairies, and food processors surround the city limits. Older neighborhoods near downtown and the college area sit alongside newer subdivisions to the north and east.
Homeowners insurance for older and newer homes
Mid-century homes may have older roofs, wiring, and plumbing that carriers ask about, while newer construction often qualifies for more options. Long, hot, dry summers also make roof condition and cooling equipment worth a look. We shop homeowners coverage across carriers for both.
Flood and earthquake coverage in the Valley
Homes near the Tuolumne River and Dry Creek have seen high water in wet winters, and a standard home policy does not cover flood. We quote flood insurance for homes in and out of mapped zones, along with earthquake coverage, which is also separate from a standard home policy.
Autos, farms, and local businesses
Highway 99 traffic, winter tule fog, and long commutes over the Altamont Pass toward the Bay Area all shape auto insurance needs here. We also insure farms and orchards, trucking operations, and local businesses tied to the Valley's agricultural economy.
Your insurance team for Modesto, California
We work with Modesto households and business owners, and also serve nearby Ceres, Turlock, Riverbank, Oakdale, and Salida, 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 Modesto, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Modesto, California.
