Local Temecula, California insurance coverage that fits your family & business needs, with a team that knows your name.
Home, winery, and HOA insurance in Temecula, California
Temecula sits in southwestern Riverside County along I-15, known for its Wine Country, Old Town, and hot air balloons over the valley. Master-planned neighborhoods and new construction have made it one of the fastest-growing areas in the Inland Empire.
Homeowners insurance in a growing valley
Many Temecula homes are newer and in HOAs, while rural properties and estates sit out in Wine Country. Homes near open hillsides face wildfire review from carriers. We shop homeowners coverage across carriers and write high-value home and HOA coverage.
Flood and earthquake coverage
Murrieta Creek has flooded parts of Old Temecula in heavy storms, and the Elsinore Fault runs through the valley. A standard home policy does not cover flood or earthquake, so we quote both separately.
Wineries, commuters, and businesses
We insure wineries, restaurants, event venues, and other local businesses, and we write auto insurance for commuters on I-15 toward San Diego and Riverside.
Your insurance team for Temecula, California
We work with Temecula households and business owners, and also serve nearby Murrieta, Menifee, Lake Elsinore, Wildomar, and Fallbrook, 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 Temecula, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Temecula, California.