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.
Your current policy
Since you already have something in force. Both of these are optional, and skipping them doesn't slow anything down.
Who is it with? Optional
Choose one
AAA / Auto Club Allstate Chubb
CSAA Farmers GEICO
The Hartford Kemper Liberty Mutual
Mercury Nationwide Progressive
Safeco State Farm Travelers
USAA California FAIR Plan
Other I don't know
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
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
Professional office or practice
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.
About the work
Contractors get classified by what they actually do on site. These are the questions every underwriter asks.
Primary trade
Choose one
General contractor HVAC Electrical
Plumbing Roofing Concrete or masonry
Drywall, paint, or finish Solar Handyman or multi-trade
Residential or commercial?
Choose one
Mostly residential Mostly commercial About an even split
Do you use subcontractors?
This changes the classification and the audit more than almost anything else on this page.
Choose one
No, never Occasionally Regularly
Largest single job in the last year
Choose one
Under $10,000 $10,000 to $50,000
$50,000 to $250,000 $250,000 to $1 million Over $1 million
Do you work on roofs, or above two stories?
Choose one
No Occasionally Regularly
Value of tools and equipment that leave the shop Optional
A standard property policy is written around a location. Tools in a truck usually are not at that location.
Choose one
Under $5,000 $5,000 to $25,000
$25,000 to $100,000 Over $100,000
About the work
Landscape and pool work splits hard on a few specific activities.
Do you apply chemicals, fertilizer, or pesticides?
Choose one
No Yes, and I hold the applicator license Yes, through a licensed subcontractor
Tree work — how high do you go?
Choose one
No tree work Trimming under 15 feet Above 15 feet, or removals
Do you install or service irrigation, pools, or spas?
Choose one
No, maintenance only Irrigation only
Pool or spa service Pool or spa construction
Equipment towed or hauled Optional
Mowers, chippers, trailers. Total replacement value is fine.
Choose one
Under $10,000 $10,000 to $50,000 Over $50,000
About the operation
I spent ten years behind a bar, so I know which of these actually move the number.
Seating capacity
Choose one
No seating — takeout, delivery, or mobile
Under 25 25 to 75 75 to 150 Over 150
Alcohol as a share of sales
This is the single biggest question on a food service submission.
Choose one
No alcohol served Under 25%
25% to 50% Over 50%
Commercial cooking with a hood and suppression system?
Choose one
Yes, with a serviced suppression system
Yes, but I'm not sure about the suppression system
No commercial cooking
How late are you open?
Choose one
Close before 10pm Close between 10pm and midnight Open past midnight
Anything else happening on site? Optional
Live music, dancing, a DJ, catering off premises, delivery drivers, valet, outdoor heaters.
About the shop
Square footage
Choose one
Under 1,000 1,000 to 3,000
3,000 to 10,000 Over 10,000
Average inventory value on site
Choose one
Under $25,000 $25,000 to $100,000
$100,000 to $500,000 Over $500,000
Do you sell online as well?
Choose one
No, in store only Yes, a small share Yes, most of my sales
About the properties
How many units do you manage?
Choose one
1 2 to 5 6 to 20 More than 20
Do you own them, or manage for owners?
Choose one
I own them I manage for owners Both
Pool, spa, or hot tub on any property?
Choose one
No Yes, fenced and gated Yes, not fully enclosed
Do you collect guest payments or hold deposits?
Choose one
No, the platform handles it Yes, directly
About the practice
Do client contracts require specific limits or an additional insured?
Choose one
Yes, and I can send the requirement Sometimes No Not sure
Do you hold client personal or financial records?
Names with anything attached — social security numbers, card numbers, health or financial detail.
Choose one
No Yes, a small number Yes, a significant number
Any claims, complaints, or disciplinary actions in the last five years?
A yes is not disqualifying. A yes discovered later usually is.
Choose one
No Yes, and it's resolved Yes, and it's open
How long has the business been operating?
Choose one
Not open yet Under a year 1 to 3 years
3 to 10 years More than 10 years
Do you own or lease the space?
A lease usually makes you responsible for improvements you paid for, which most tenants don't insure.
Choose one
I lease I own the building
I work from home No fixed location
Any commercial claims in the last three years?
Underwriters pull this anyway. Telling me first means I place it with someone who will look at it.
Choose one
None One Two or more Not sure
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
About the umbrella.
An umbrella sits on top of your home and auto liability, so carriers need to know what's underneath it. They also set a minimum on those underlying limits, which is the most common reason an umbrella stalls — so the limits below matter more than anything else on this page.
What are your auto liability limits right now?
The bodily injury line on your declarations page, usually written like 250/500. If it reads 100/300 or lower, most umbrella carriers will ask you to raise it first — worth knowing before we start rather than after.
Choose one
100/300 or lower
250/500
300/300 or higher
A single combined limit
Not sure — I'll send my declarations page
And the liability limit on the home, condo, or renters policy?
Same page, usually labelled personal liability, and shown as one number rather than two.
Choose one
$100,000
$300,000
$500,000
$1 million or more
Not sure — I'll send my declarations page
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 or email at the details above. Consent isn't a condition of buying anything, and I can ask to stop at any time.
Text me as well Optional — I agree that Real Insure Insurance Solutions (Alexander Haroutiounian) may send me text messages about this quote request and my insurance.
Recurring messages, frequency varies. Message and data rates may apply. Reply STOP to stop, HELP for help. Consent to texts isn't a condition of buying anything. See the privacy notice for how your number is handled; mobile opt-in information is never shared with or sold to third parties.
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 .