What's going on right now?
This tells me how quickly to move and what to look at first. There's no wrong answer.
Current situation
I got a non-renewal or cancellation notice Your carrier isn't continuing the policy. This moves to the front of my queue. My renewal is coming up You want to see whether the price and coverage still make sense. I'm buying something new A house, a car, a building, a business. Escrow or lender deadlines usually apply. I'm shopping around Nothing's wrong, you want to know if you're overpaying or underinsured. Something changed A remodel, a new driver, a new employee, a new rental arrangement. Honestly not sure Fine. Tell me more in the notes at the end.
Is there a date you're working against? Optional
A close of escrow, a lease start, a policy expiration. If there is one, I'll work backward from it.
Tell me about the property.
Rough answers are fine. I'd rather have your best guess now than an exact number three days from now.
You picked more than one property type. Answer the questions below for the main one, then describe the others in the box at the bottom of this step. I'll follow up for details.
How is the property used?
This matters more than most people expect. A home that sits empty half the year, or gets rented a few weekends, is a different risk than a primary residence, and the wrong policy type is one of the most common reasons a claim gets denied.
Choose one
Primary residence, lived in year-round
Second or seasonal home, empty part of the year
Short-term rental, some or all of the year
Long-term rental to a tenant
Currently vacant
Under construction or renovation
What are you renting?
Choose one
Apartment
House
Condo or townhome
Room in a shared home
Rough value of your belongings
Furniture, electronics, clothes, kitchen, everything you'd have to replace if the place burned. People almost always guess low. Walk through each room in your head.
Choose a range
Under $15,000
$15,000 to $30,000
$30,000 to $60,000
$60,000 to $100,000
Over $100,000
How many units at this address?
Choose one
1 2 3 to 4 5 or more
Do you know how your association's master policy is written?
This decides where the association's coverage stops and yours starts. "Bare walls" leaves you responsible for cabinets, flooring, fixtures, sometimes drywall. "All-in" covers much more of the unit. It's in your CC&Rs. If you don't know, that's normal.
Choose one
Bare walls
All-in / single entity
Not sure — I can send the CC&Rs
Not sure — I don't have the CC&Rs
Is the home in an HOA? Optional
Country clubs and gated communities usually have one. If so, the master policy may cover common areas, perimeter walls, or more.
Choose one
Yes
No
Not sure
Approximate square footage Optional
The other property or properties
Address, how it's used, anything notable. One per line is fine.
Vehicles and drivers.
Just the shape of it. I'll collect VINs and license numbers later, only if you decide to move forward.
How many vehicles?
Choose one
1 2 3 4 5 or more
What are they? Optional
Year, make, model. One per line. Golf carts, RVs, and motorcycles count too — they're insured differently, so list them.
How many drivers in the household?
Choose one
1 2 3 4 or more
Anything I should know about the drivers? Optional
Tickets, accidents, a teen driver, a gap in coverage, an out-of-state license. Telling me now saves a surprise later, and almost none of it is as disqualifying as people fear.
How California prices auto insurance. Under Proposition 103, the three factors carriers must weigh most heavily are your driving record, how many miles you drive each year, and your years of driving experience. That's why I ask about mileage rather than the things other states let carriers use.
Roughly how many miles a year, across all vehicles? Optional
Choose one
Under 5,000
5,000 to 10,000
10,000 to 15,000
15,000 to 25,000
Over 25,000
About the business.
Enough to know which carriers will look at it and what the underwriter is going to ask.
What does the business do?
Underwriters classify on what actually happens day to day, not what's on the business license. Pick the closest.
Choose the closest
Contractor or trade (HVAC, electrical, plumbing, general)
Landscape or pool service
Restaurant, bar, or food service
Retail shop
Hospitality or short-term rental management
Agriculture or packing
Professional office or practice
Event or festival vendor
Trucking or delivery
Something else
Describe it in your own words Optional
Two sentences is fine. The details that seem boring to you are often the ones that decide the classification.
How many employees, including you?
Choose one
Just me
2 to 5
6 to 15
16 to 50
More than 50
Approximate annual revenue Optional
Most commercial policies are rated on revenue or payroll. A range is fine.
Choose one
Under $100,000
$100,000 to $500,000
$500,000 to $1 million
$1 million to $5 million
Over $5 million
Prefer not to say
Business vehicles
Since you checked commercial auto. Rough answers are fine.
How many vehicles does the business use?
Choose one
1 2 3 to 5 6 to 10 More than 10
What kind? Optional
Pickups, vans, box trucks, trailers, heavy equipment. Whether they carry tools or goods. Whether employees drive them.
How far do they typically travel?
Choose one
Within the Coachella Valley
Within about 100 miles
Across Southern California
Statewide or beyond
About the umbrella.
An umbrella sits on top of your home and auto liability, so carriers need to know what's underneath it.
How much umbrella coverage are you thinking about?
Most are sold in one-million-dollar steps. If you don't know, pick "not sure" and we'll talk it through.
Choose one
$1 million
$2 million
$3 to $5 million
More than $5 million
Not sure
How should I reach you?
This goes to me directly. I'm the only person who sees it.
Best way to reach you
Phone call
Text message
Email
Any of these
Best time of day Optional
No preference
Morning
Midday
Afternoon
Evening
Anything else I should know? Optional
The thing that's actually worrying you, a question that didn't fit a dropdown, a detail about the property. This is the most useful box on the form.
Before you send this
I'd like to be contacted about this request by phone, text, or email at the details above. Consent isn't a condition of buying anything, message and data rates may apply, and I can ask to stop at any time.
I understand this is a request for a quote, not an application, and that submitting it does not bind coverage . No coverage exists until a carrier issues a policy and I accept it.
Quotes are estimates based on what you tell me. Final pricing, and whether a policy can be issued at all, is decided by the carrier's underwriting, which may include reviewing prior loss history and, for auto, motor vehicle records. How this information is handled is in the privacy notice .