CCalvo InsuranceCalifornia

Home and auto insurance

Coverage for your house, your cars and the liability that ties them together, from a Murrieta agent.

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  • Homeowners Insurance

    Policy types, the flood and earthquake gaps, wildfire non-renewals and filing a claim, from a Murrieta agent.

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  • Auto Insurance

    California's 30/60/15 minimums, the coverages worth having and what sets your price.

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  • Life Insurance

    Term, whole and universal life compared, and how to work out how much coverage you need.

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  • Life & IUL

    Caps, floors and fees explained plainly, plus mortgage protection and child life insurance.

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  • California FAIR Plan

    What the FAIR Plan covers, what it doesn't, and how a DIC policy fills the rest.

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I'm Javier Calvo. I have more than 25 years in business and construction and over 10 in insurance, so I tend to look at a house and a car the same way: what would it cost to fix or replace, and who pays if someone gets hurt. That's really what home and auto insurance comes down to. The goal is enough coverage for the bad day, without paying for things you'll never use.

Home insurance

A homeowners policy covers the structure of your house and what's inside it: furniture, electronics, appliances, clothes. It pays to repair or rebuild after a covered loss like a fire, theft or vandalism, and if the house can't be lived in while it's being fixed, it helps with the cost of staying somewhere else.

Two things it doesn't cover are flood and earthquake. Those need separate policies, and around here both are worth a conversation. If your home is in a high fire-risk area and you're having trouble getting coverage, the California FAIR Plan may be the fallback. My homeowners insurance guide goes into all of it, and I've written pages for specific cities, like homeowners insurance in Temecula.

Auto insurance

Auto insurance pays when you're in an accident, from a parking lot scrape to something serious. Depending on your coverage, it can pay for repairs to your car, medical bills and damage you do to someone else's property. California sets a legal minimum, and I'll make sure you meet it, but I'll also tell you honestly whether the minimum is enough for how and how much you drive. The details are on my auto insurance page.

Liability is the part people underestimate

Both policies include liability coverage. It protects you if you're legally responsible for someone else's injuries or property damage, whether a guest slips on your stairs or you cause a crash. Medical bills and lawsuits get expensive fast, and liability limits are what stand between that and your savings. If you have a lot to protect, an umbrella policy can add another layer on top of both.

Why put home and auto together?

Carrying both with the same carrier usually earns a multi-policy discount, and you get one agent who knows your whole picture. I explain how those discounts work in this post on bundling insurance policies. Renting instead of owning? Here's how homeowners and renters insurance compare.

Call me at (951) 383-3000 or stop by our Murrieta office at 26690 Madison Ave, Ste 105, Murrieta, CA 92562. I'll review what you have now, in English or Spanish, and tell you straight whether it's worth changing.

Frequently asked questions

Is it cheaper to bundle home and auto insurance?
Usually, yes. Most carriers give a multi-policy discount when your home and cars are insured together. It's still worth comparing the total cost, not just the discount.
Does homeowners insurance cover flood or earthquake damage?
No. Standard homeowners policies exclude both. Flood coverage comes from a separate flood policy, and earthquake coverage from a separate policy such as one through the California Earthquake Authority.
What does liability coverage pay for?
It pays for injuries or property damage you're legally responsible for, including legal defense costs, up to your policy limits. On a home policy that might be a guest who gets hurt; on an auto policy, the other driver after a crash you caused.
Do I need an umbrella policy?
If your assets or income are worth more than your home and auto liability limits, an umbrella policy is worth considering. It adds extra liability coverage above both policies for a relatively small premium.
Can you help if my homeowners insurer dropped me?
Yes. Call me before the non-renewal date. I'll check whether Farmers can write your home, and if not, walk you through the California FAIR Plan and a policy to fill its gaps.