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