Property Insurance

Simple, affordable property insurance


Protect your most important possessions with a simple, affordable policy.

  • Get coverage that can put your home back together after an accident or theft
  • Include coverage to protect yourself if someone is injured on your property
  • Pay for living expenses if an insured disaster temporarily forces you out of your home


Get low-maintenance coverage for the inside of your unit.

  • Protect items that condo associations and master policies don't
  • Cover improvements or alterations you've made to your unit
  • Protect yourself from liabilities


Cover what matters to you, even if you don't own your home.

  • Cover what you own in your apartment
  • Safeguard against legal responsibility
  • Pay for additional living expenses if your home becomes uninhabitable


Get extra protection for your most cherished items.

  • Protect items like jewelry, antiques and fine art
  • Get more protection for these items than with a typical homeowners or renters policy
  • Pay no deductible


Make sure a few inches of water doesn't cost you thousands of dollars.

  • Protect a home you rent or own from rising waters
  • Additional programs and insurers provide excess coverage
  • Get coverage in both low-risk and high-risk areas
My Insurance Center

Get 24/7 insurance access from any device

File a claim and upload photos

Access your auto ID cards

Update driver and vehicle status

My Insurance Center

Get 24/7 insurance access from any device

File a claim and upload photos

My Insurance Center

Get 24/7 insurance access from any device

Access your auto ID cards

My Insurance Center

Get 24/7 insurance access from any device

Update driver and vehicle status

Pet Insurance

Protect your four-legged family member

Cover unexpected accidents and illnesses and get access to providers worldwide.
Home Improvement Loans

Fast access to funds for your remodel project

A quick and easy application process to remodel without using your home as collateral.

People often ask us

Generally, insurance policies exclude damage caused by seepage, dry rot or vermin (animal pests). This is because these problems are usually the result of poor maintenance, not a sudden and accidental event.

Most homeowner policies have dollar limits on certain types of belongings. Generally, these limits are on silverware, guns, jewelry, watches, furs and computers. The limits usually cover losses of the average person. Talk to your agent or insurance company about increasing these limits to meet your individual needs.

Flood damage isn't covered by most homeowner policies. We can provide a separate policy through the National Flood Insurance Program and beyond for additional coverage needs.

Most homeowners insurance policies cover a wide range of items but often they don't cover everything one has. This void in coverage is usually due to the policy owner assuming that every item they have will be covered. They fail to let the insurance agent know of specialty items and specialty coverage they may need or be interested in. A homeowner can add extra coverage to their policy and should inquire with their insurance agent to do so. Some of the most common extra coverage is:

  • Fine jewelry and collectibles
  • Home office equipment and home businesses
  • Identity theft
  • Excess liability (umbrella)
  • Flood

When shopping for a homeowners insurance policy, you may not end up with the best coverage if you only shop by comparing prices and not by comparing coverage. Your home is one of the most important purchases you'll make. Take the time to understand your insurance before you purchase it. It's one of the best decisions you make for yourself and your family.

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Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

Insurance products offered in California are offered by First Citizens Investor Services, Inc., d.b.a. FCIS Insurance Solutions, Agency #6001908.