Local San Jose, California insurance coverage that fits your family & business needs, with a team that knows your name.
Home, earthquake, and flood insurance in San Jose, California
San Jose is the largest city in the Bay Area and the center of Silicon Valley, spread across the Santa Clara Valley floor between the Santa Cruz Mountains and the Diablo Range. Postwar ranch homes, newer townhomes and condos, and hillside properties in Almaden Valley and the east foothills all share the same market.
Homeowners insurance where rebuilding is expensive
Construction costs in the South Bay run high, so the dwelling limit on a policy should reflect what it would take to rebuild rather than what the home would sell for. We shop homeowners coverage across carriers, including high-value home options, and review wildfire considerations for foothill addresses.
Earthquake and flood coverage in the valley
The Hayward and Calaveras faults run along the east side of the valley and the San Andreas follows the mountains to the west. Closer to downtown, Coyote Creek flooded several neighborhoods in February 2017. Neither risk is covered by a standard home policy, so we quote earthquake insurance and flood insurance separately.
Autos, condos, and umbrella
Daily commutes on 101, 280, 880, and 87, along with newer vehicles that cost more to repair, make limits and deductibles worth reviewing on any auto policy. We also insure condos and townhomes, rental homes, and umbrella coverage for San Jose households.
Your insurance team for San Jose, California
We also serve nearby Santa Clara, Sunnyvale, Campbell, Milpitas, and Morgan Hill, 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 Jose, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in San Jose, California.
