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 50+ 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
5 stars service. Karson is a very nice person and good advisor. He is a very helpful person. He helped me find a good package for my car insurance. The monthly premiums for my car insurance were lower, but the coverage was much better. Highly recommend.
Francis Yuen
2 months ago
Karson helped me renew my home and auto policies in a bundle that expanded my coverage without increasing my rates. He gave me honest recommendations based on my needs, was very responsive over email, and had a streamlined system for signing and payment. I would 100% recommend to anyone in California or Oregon!
Sienna Ringgenberg
2 months ago
Great service! They are very attentive and able to find the correct insurance that fit my needs. Victor is a funny guy. He'll make sure you're satisfied.
Hong Kwan
2 months ago
Mr. Kwan is trustworthy. He never makes empty promise.
George Wong
6 months ago
Kwan Insurance removed stress out of sorting through insurance quotes after an out-of-state move. They compared quotes and even checked with my existing out-of-state insurer if they could transfer my policy. Karson was responsive, friendly, and advocated for my best interest by letting me know additional ways to bundle and save money. I strongly recommend Kwan for your insurance needs.
Andrew Collins
6 months ago
Great service by Victor and Karson, covering all my insurance needs!
Curtis Liew
2 months ago
It's hard to get a new homeowners insurance policy in California now as all big insurance companies have stopped giving new policies, considering California is at high risk of wildfires. Karson was amazing to get me an affordable homeowners insurance policy within the same day.
Ajay Soni
6 months ago
"Recently switched my auto insurance and Karson helped me with getting the best rate! I saved about $700 switching to his services. It was fast and hassle free. Karson wasn’t pushy and was really patient when I was shopping around for auto insurance. He was very communicative and have responds quickly. Would recommend him and his team!"
Azaian Cagalingan
3 months ago
I had a truly great experience working with Karson. He was incredibly knowledgeable and took the time to explain everything clearly, patiently answering all of my many questions. He went above and beyond by exploring several different insurance options to find the best fit for my specific needs. What impressed me most was that he also provided helpful tips that significantly improved my understanding of insurance choices. Thanks to his expertise and guidance, I felt completely confident in making my decisions. On top of all this excellent service, I saved nearly $2,000 by switching from Allstate and keeping the same coverage! I highly recommend Karson to anyone looking for a knowledgeable, patient, and effective automobile insurance agent who can truly deliver results.
Richard P
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
