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