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