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.
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 Modesto, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Modesto, California.