Geneva Insurance Group is licensed by the California Department of Insurance (CDI). We compare A-rated carriers for California drivers, homeowners, and businesses across the state — from coastal Los Angeles and the Bay Area through the Central Valley, Inland Empire, and the Sierra foothills — with particular focus on the wildfire, earthquake, and high-rebuild-cost realities California risk profiles demand.
California minimums are 15/30/5 — the lowest in the country and almost universally inadequate. We almost always recommend at least 100/300/100, particularly in dense metros (LA, Orange, Bay Area) where collision severity is high. California also prohibits credit-based insurance scoring, which changes carrier appetite vs other states.
California's carrier market has tightened sharply since 2022 due to wildfire losses. We work with the admitted market, the FAIR Plan for hard-to-place wildfire-exposed properties, and surplus lines for premium homes. Earthquake is excluded from standard policies and quoted separately through CEA or private earthquake carriers.
Renters and condo policies in CA typically run $15-$30/month and are required by most landlords in LA, SF, San Diego, and Oakland. We add water-damage and wildfire-evacuation expense endorsements where appropriate.
Workers comp is mandatory in California for any business with one or more employees. We write GL, commercial property (with appropriate wildfire and earthquake riders), professional liability, and commercial auto. California has unique exposures — PAGA litigation, Prop 65, ABC-test classification — that affect coverage structure.
Term life, whole life, and individual health insurance for California residents. Covered California Marketplace and off-exchange options both available through CDI-licensed carriers.
Personal umbrella for California households — especially valuable in higher-asset markets like the Bay Area, LA Westside, and Orange County. Typically $250-$700/year for $1M of coverage on top of your auto + home limits.
Geneva is licensed by the California Department of Insurance (CDI) and follows California-specific rules including Prop 103 rate review, wildfire moratorium protections, and the no-credit-scoring requirement.
California risk modeling differs from anywhere else. We understand wildfire-zone designations, brush-clearance requirements, FAIR Plan eligibility, CEA earthquake structures, and which private earthquake carriers are paying claims well right now.
A-rated standard carriers, the FAIR Plan for non-renewed properties, and surplus lines markets for high-value or high-hazard risks. Captives can only show you one carrier — brutal in a market where carriers are repositioning constantly.
California requires 15/30/5 — $15,000 bodily injury per person, $30,000 bodily injury per accident, and $5,000 property damage per accident. These are the lowest minimums in the United States and are dangerously inadequate — a single ER visit easily exceeds $15,000 and a totaled mid-size SUV easily exceeds $5,000 in property damage. Independent agents in California almost universally recommend at least 100/300/100.
Yes, though it depends on your specific zone designation and carrier appetite at the time you apply. Options include admitted carriers that still write in your zone, the California FAIR Plan (state-mandated insurer of last resort for fire-only coverage, then paired with a "wraparound" liability and theft policy from an admitted carrier), and surplus lines for higher-value properties. We help you understand which path fits your situation.
No. California is one of three states (along with Massachusetts and Hawaii) that prohibits credit-based insurance scoring for auto and home insurance. Premiums are based on driving record, vehicle, location, mileage, and other risk factors — not credit.
Yes. Standard California homeowners policies exclude earthquake damage. Coverage is available through the California Earthquake Authority (CEA) — a publicly-managed but privately-funded earthquake insurer — or through private earthquake carriers. Deductibles are typically 5-25% of dwelling coverage. We help you decide whether the premium is worth it for your specific home and location.
California homeowners coverage with proper wildfire, earthquake, and rebuild-cost structuring.
California auto insurance compared across major A-rated carriers.
Workers comp + GL + professional liability for California businesses.
Personal umbrella for high-asset California households.