Local Oakland, California insurance coverage that fits your family & business needs, with a team that knows your name.
Home, wildfire, and earthquake insurance in Oakland, California
Oakland rises from the bay shoreline and its port, through flatland neighborhoods of Victorians and Craftsman bungalows, up into steep, wooded hills. Insurance needs can look very different depending on which part of the city a home is in.
Homeowners insurance in the hills
The 1991 Oakland Hills firestorm remains one of the most destructive wildfires in California history, and carriers still look closely at hillside addresses, vegetation, and access. We shop homeowners coverage across carriers and can explain how the California FAIR Plan and a companion policy fit together when traditional options are limited.
Earthquake coverage along the Hayward Fault
The Hayward Fault runs along the base of the hills, and the 1989 Loma Prieta earthquake caused serious damage here, including the collapse of the Cypress freeway structure. A standard policy does not cover earthquake damage, so we quote earthquake insurance separately and can talk through how a seismic retrofit on an older home may affect your options.
Older homes, renters, and autos
Many flatland homes are a century old, with wiring, plumbing, and foundations that carriers ask about. We also write renters insurance, landlord policies for duplexes and small apartment buildings, and auto insurance for drivers sharing I-880 and I-580 with port and commuter traffic.
Your insurance team for Oakland, California
We also serve nearby Berkeley, Alameda, San Leandro, and Emeryville, 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 Oakland, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Oakland, California.
