Insurance
Home Insurance
Protect your home and your peace of mind with personalized homeowners insurance built for California living. Whether you're a new homeowner or protecting the place you’ve built for decades, we've got you covered - with local support you can trust.
Rated 4.9 out of 5
Based on 80+ reviews
Covers property damage
Protects against fire, wind, water, and other covered perils.
Protects your belongings
Pays for stolen or damaged furniture, electronics, clothing, and more.
Meets mortgage requirements
Required by most lenders to protect your property investment.
Peace of mind
Feel confident knowing your home and finances are protected.
Home Insurance Made Simple
Personalized coverage. Trusted local guidance.
At Kwan Insurance Services, we help you find the home insurance that truly fits your needs. Whether you’re buying your first house, looking for more comprehensive protection, or simply want better service, we work with you to choose the right coverage for your property and your budget. Home insurance protects your most valuable asset, your home, against the unexpected. It helps cover the cost to repair or replace your house, belongings, and even hotel stays if your home becomes uninhabitable.
With access to multiple carriers, we compare quotes, explain your options clearly, and guide you through every step – so you don’t have to figure it out alone. As your personal advisor, we make home insurance simple, transparent, and tailored to you.
Built on trust. Backed by experience.
Here’s why people choose us for their home insurance
- Family-owned with personal, honest service.
- 30+ years of local insurance expertise.
- We compare top carriers to save you money.
- Support in English, Cantonese, and Mandarin.
Build a policy that works for you
Popular health insurance coverage
We make it easy to understand your choices. Explore the coverage options that offer the best protection for your home and lifestyle.
Find the right coverage at the right price
Get your free quote in minutesWhat is Home Insurance and how does it work?
Home insurance is a policy that protects you financially if your home or belongings are damaged or destroyed by covered events like fire, theft, or storm damage. You pay a monthly premium, and in return, your insurance company helps cover the costs if something goes wrong, whether that means repairs, replacement, or temporary housing.
See state-specific insurance exceptions
Coverage and requirements may vary by state. Check with us to see what applies in your area.
Why having Home Insurance matters
Your home is more than a roof over your head - it’s where life happens. Insurance protects that space and everything in it. With the right coverage, you won’t have to worry about how to recover after a fire, break-in, or storm. You can rest easy knowing your home, belongings, and finances are protected when it matters most.
What’s typically covered by Home Insurance?
Most home insurance policies include: cover three main things: damage to the home (dwelling coverage), detached structures like garages and sheds, personal belongings, and liability for injuries or damage to others. You can also add coverage for any additional living expenses if you’re displaced.
Optional coverages and special insurance Options
Beyond the basics, you can customize your policy with extra protection, including: earthquake and flood insurance, equipment breakdown coverage, identity theft protection, home-based business or rental coverage, or high-value item protection (scheduled property).
How we help you choose the right coverage
As your local broker, we listen first. We get to know your home, lifestyle, and budget, then recommend coverage that fires. Whether you want basic protection or full replacement coverage, we’re here with honest advice and personal service.
How to get started
Simple steps to the right Home Insurance
From your first message to ongoing support, getting insured with us is easy. Here’s how we guide you through every step - with clarity, care, and no pressure.
No complicated formsFast, personalized quotes
Step 1
Get in touch
Contact us by phone, email, or online - we’re ready to help.
Step 2
Get tailored Home Insurance quote
We’ll ask a few quick questions and provide the best options for you.
Step 3
Get honest advice
Not sure what you need? We’ll explain your coverage options clearly.
Step 4
Set up your policy
When you’re ready, we’ll handle all the paperwork and get you insured.
Step 5
Rely on us for support
Have questions or need to file a claim? We’re here whenever you need us.
You’re in good company
See how we’ve helped local homeowners feel secure and supported through every step
Rated 4.9 out of 5 by real clients
Kwon Insurance services Are fantastic people ! from the front desk to the top. Their main concern is helping you find the right insurance for your needs. We will always recommend kwon Insurance services to friends, family and business owners. Keep up the great work and thank you for all your help.
Larry Leonard
recently
Did a great job of car insurance
Tony Thompson
recently
Mr. Kwan is trustworthy. He never makes empty promise.
George Wong
recently
Karson you did a great job find a great ins.co. thanks for your help.
KULDIP DHESI
4 months ago
Florian Mueller
4 months ago
Professional, responsive, customer first mentality. Excellent insurance coordinator!
Martin Ho
5 months ago
Karson Kwan and Kwan insurance services took care of my needs quickly, efficiently and at a great price! Can’t say enough good things about them. We are moving from out of state and reached out initially to one of the national companies we used in the past. They gave us the complete runaround. We needed something quickly and so I reached out to Kwan Insurance when they were suggested to me locally. They took care of us right away with no hassle! I love their app and how easy it is to get ahold of them whenever you need something. I love supporting a family company who really knows what they are doing! 10/10!!
Angie Roberts Selzer
1 month ago
Karson Kwan was extremely professional in helping to determine the most comprehensive and affordable insurance package tailored for my specific needs. He was very responsive and I felt like a valued client throughout our whole correspondence. I can wholeheartedly recommend Kwan Insurance if you want to ensure that you are getting the best coverage available, and at the best rates too!
Derrek Chu
5 months ago
I recently looked for homeowner insurance for a condo and used Kwan Insurance Services. The process was smooth: I submitted an application, and the agent Karson emailed the next day with four quotes from different providers and helpful recommendations on which to choose. I had a great experience and would recommend Kwan Insurance Services to anyone seeking insurance. They also offer auto insurance, and I’m considering switching my auto policy there.
Jason Wong
1 month ago
My husband and I are first-time homebuyers, and we worked with Karson for our homeowners insurance. I wasn’t familiar with townhome insurance options at all, and Karson took the time to sit on the phone with me and walk through every line of the policy, making sure I fully understood what we were getting and he knew the answers to all of my questions. He was patient, thorough, and focused on finding us the best coverage at the best price.
Not only is Karson extremely knowledgeable, but he was also very honest throughout the entire process. He never tried to oversell us or push anything we didn’t need, he provided us with a straightforward, trustworthy guidance. I highly recommend Karson for any and all your insurance needs.
Olivia Fawley
6 months ago
FAQ
Common Home Insurance questions asked by clients
Get quick answers to the questions we hear most - from coverage basics to claims and costs.
Can I switch my current Home Insurance to Kwan Insurance?
Yes, switching is easy. We’ll help you review your current policy, compare it with new
options, and guide you through making the change smoothly.What information do I need to provide to get a quote?
We’ll ask for your property address, size, age of the home, safety features, and your current coverage (if applicable).
Can I bundle home and auto insurance?
Absolutely. Bundling often lowers your premiums and we will help you find the best combo.
Do I need earthquake or flood coverage?
In California, both are strongly recommended but sold separately. We’ll help you assess your risk.
What happens if I need to file a claim, do I contact Kwan or the insurance company?
You’ll report the claim directly to the insurer, but we’re always here to guide you through the process and answer any questions.
Coverage made simple
Helping local homeowners stay protected
- Rated 4.8 out of 5 stars
- 30+ years of expertise
