Local San Francisco, California insurance coverage that fits your family & business needs, with a team that knows your name.
Earthquake, condo, and renters insurance in San Francisco, California
San Francisco packs a great deal into the tip of its peninsula: Victorian and Edwardian homes, multi-unit flats, condo towers, and wood-frame apartment buildings standing shoulder to shoulder, with the ocean on one side and the bay on the other. Most households here rent.
Earthquake coverage in a city shaped by 1906 and 1989
The San Andreas Fault lies just to the west and the Hayward Fault across the bay, and areas built on fill, such as the Marina, are prone to liquefaction. A standard policy does not cover earthquake damage, so we quote earthquake insurance separately for homeowners, condo owners, and renters.
Home and condo insurance for older buildings
Century-old construction can mean older wiring, plumbing, and shared walls, and repairs often have to meet current building codes. We shop homeowners coverage across carriers and help condo owners line up their policy with the association's master policy.
Renters, landlords, and autos
Renters insurance protects a tenant's belongings and personal liability, which a landlord's policy does not. We also insure owners of flats and small apartment buildings with landlord policies, and review comprehensive and collision options for cars that live on steep hills and crowded streets.
Your insurance team for San Francisco, California
We also serve nearby Daly City, South San Francisco, San Mateo, and Marin County, 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 San Francisco, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in San Francisco, California.
