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Broker vs. Agent


The difference?

I spent half of my career as a broker and am now a directly appointed agent with multiple insurance companies. The biggest difference between the two is that a broker usually charges additional fees for the same service an agent performs.


When should I get an umbrella policy?

Umbrella policies are a good idea if you have a mid-to-high level of net worth. If it is $500K to $1MM, you should get a $1MM umbrella. If the net worth is over $1MM but less than $2MM, it would be best to buy a $2MM umbrella.

It's purpose is to protect you from liability law suits involving your properties and/or autos. Your home policy should include at least $300K of liability coverage and your auto should have at least $250/500/100K coverage in order to qualify for an umbrella. Once the underlying limits of coverage have been spent, the umbrella begins to pay its benefits.


                  ESTABLISHED IN 1989

  California Home and Auto Insurance  

CALL FRED: 877-919-6900 or 408-778-9800

FAX FRED: 408-778-9806




Thanks for visiting my website. I have been in the insurance business since the late 80's and primarily offer the following types of policies:

Homeowners, Condo, Renters 

Earthquake, Flood, Jewelry

Rental Property, Landlord

Special Events, Umbrella, Business

Auto, Boat, Harley and Bike Insurance  

    I have clients in California, Nevada, Oregon and Arizona and am fully licensed for each state. Policy service is now paperless when you contact the toll-free customer care center and you have 24/7 claims service and the stability of the companies listed below. All of our companies are A rated or better and write multiple lines of insurance including home, auto and umbrella while offering multipolicy discounts. Call me directly at 877-919-6900.


    Your insurance application can be faxed or emailed to you (in .pdf format) and the process normally takes 15 minutes. Simply call me at 877-919-6900 and we can complete the paperwork.

    Discounts. Everybody likes discounts! Many of our clients receive additional premium reductions because they are employed as engineers, teachers or scentists or work for a government agency or utility company.  Additionally,  we offer group discounts for law enforcement, military (active and retired) and firefighters. Update. Computer scientists, architects and credit union members have been added to the list.







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      Multiple Policy Discounts

    Some customers keep their auto policy with a different insurer than their home policy. The advantage with consolidating your policies with one insurance company is that you are dealing with one agent/company and you get discounts for the multiple policies. Kemper, Travelers, Civil Service Employees, Commerce West, Century National and Liberty/Mutual Safeco Insurance Companies all offer these discounts and I can quote them for you.



    Do you have insurance needs in any of these states? Click Here for a QuickQuote. Provide the address and let me know if its a primary, secondary or rental. I can also quote auto, boat and other policies for these locations.