Trusted advice and insurance solutions to protect what matters most.
Auto insurance protects you against damage to or theft of your car. We work with leading insurance companies to custom tailor an insurance policy that provides you with the best protection possible at the most competitive prices.
Your association may cover damage to the outside of your condo and common areas, but it doesn’t protect your belongings inside your condo, your personal liability, and more.
Earthquake insurance is a 'must have' policy because typically, neither homeowners insurance or renters insurance covers damage caused by earthquakes. Instead, you need to purchase additional earthquake insurance if you want to ensure coverage against damage to your home, car and other possessions.
Homeowners insurance helps provide financial protection for your home and personal belongings. We help you find the right insurance company that secures your home with competitive pricing and the best coverage.
Landlord Protection Insurance is residential rental property insurance for landlords who rent one- to four-unit occupied properties. You do your best to choose good tenants. We can help you be just as careful about choosing the right insurance coverage.
Renters insurance fits the needs of someone renting an apartment, home, condo or other type of property. You need a safety net for your personal belongings and liability but not the actual home itself.
Umbrella insurance is extra liability insurance designed to help protect your assets and your future from claims and lawsuits. Umbrella insurance insures you above and beyond the limits of auto and homeowners policies and it’s available at very low cost.
Watercraft insurance is an umbrella term for three types of insurance: boat insurance, yacht insurance, and personal watercraft insurance. It protects against damages to vessels powered by a motor that has a horsepower of at least 25 MPH.
Medicare is health insurance for people 65 or older, certain people under 65 with disabilities, and people of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant). Medicare helps cover your hospital and medical expenses.
Personal Insurance Coverage You Can Count On in California
Protecting the things that matter most — your home, your family, your vehicles, and your financial future — starts with the right personal insurance program. California residents face a unique combination of risks, from wildfire and earthquake exposure to some of the highest auto insurance rates in the country. Navigating these challenges without expert guidance can leave you underinsured when it counts or overpaying for coverage you do not need. Post Insurance has been helping California families and individuals build smart, comprehensive personal insurance programs since 1954, leveraging access to more than fifty carriers to find the right protection at the right price.
Auto Insurance in California
California law requires every driver to carry minimum liability coverage, but the state minimums of fifteen thousand, thirty thousand, and five thousand dollars are rarely enough to protect your assets in a serious accident. Post Insurance helps you evaluate higher liability limits, uninsured and underinsured motorist coverage, comprehensive and collision protection, and optional coverages such as rental reimbursement, roadside assistance, and gap insurance. We compare rates from multiple carriers to find coverage that fits your driving habits, vehicle type, and budget. Whether you drive a daily commuter, a luxury vehicle, or a classic car, our team matches you with the right policy and the right carrier.
Homeowners Insurance in California
Your home is likely your largest single asset, and protecting it requires more than a basic homeowners policy. California homeowners face risks that many other states do not, including wildfire, mudslide, and earthquake exposure. Standard homeowners policies typically exclude earthquake damage entirely and may include limited wildfire-related provisions. Post Insurance helps homeowners understand what their policy covers and where the gaps exist. We work with specialized carriers to secure standalone earthquake insurance, excess flood coverage, and wildfire-specific endorsements that ensure you are not left financially exposed after a disaster. Our team also reviews your personal property coverage, liability limits, and additional living expense provisions to make sure your policy keeps pace with your home's current value and your family's needs.
Renters Insurance
If you rent your home or apartment, your landlord's insurance policy does not cover your personal belongings. Renters insurance protects your furniture, electronics, clothing, and other possessions against theft, fire, water damage, and other covered perils. It also includes personal liability coverage that protects you if someone is injured in your rental unit and you are found responsible. Renters insurance is one of the most affordable and underutilized coverages available, often costing less than a dollar a day. Post Insurance helps California renters find comprehensive coverage from top-rated carriers at prices that fit any budget.
Umbrella Insurance
A personal umbrella policy provides an extra layer of liability protection above the limits of your auto, homeowners, or renters insurance. In today's litigious environment, a single serious accident or lawsuit can result in damages that far exceed your primary policy limits. Umbrella insurance covers the excess amount, protecting your savings, investments, and future earnings from being seized to satisfy a judgment. Post Insurance recommends umbrella coverage for any California resident who has assets worth protecting, and we help you coordinate umbrella limits with your underlying policies to create a seamless liability protection program.
Life Insurance and Income Protection
Life insurance ensures that your family's financial obligations — mortgage payments, college tuition, daily living expenses — are covered if something happens to you. Post Insurance offers both term life and permanent life insurance options from leading carriers, helping you choose the right type and amount of coverage based on your family's needs, your income, and your long-term financial goals. We also help California residents evaluate individual disability insurance, which replaces a portion of your income if an illness or injury prevents you from working.
Specialty and High-Value Coverage
Some personal assets require coverage beyond what standard policies provide. Valuable jewelry, fine art, collectibles, watercraft, recreational vehicles, and second homes often need separate policies or scheduled endorsements to be fully protected. Post Insurance works with specialty carriers who understand the appraisal, valuation, and claims requirements for high-value personal property. Whether you need an inland marine floater for an engagement ring or a separate policy for a vacation home in wine country, we build coverage around the things you value most.
Why California Families Trust Post Insurance
For more than seventy years, Post Insurance has served California families with the same commitment to personalized service and independent advice that our founders brought to the business in 1954. With access to over fifty carriers, we offer the selection and flexibility to build a personal insurance program that covers your specific risks without paying for coverage you do not need. Our team handles your renewals, reviews your coverage annually, and advocates on your behalf when you file a claim. Contact Post Insurance today for a free personal insurance review and experience what it means to have a true insurance partner on your side.
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Frequently Asked Questions
What types of personal insurance does Post Insurance offer?
Post Insurance offers a full range of personal insurance products including homeowners insurance, auto insurance, umbrella liability, renters insurance, life insurance, and specialty coverage for high-value items like jewelry, art, and collectibles.
How much does homeowners insurance cost in California?
California homeowners insurance costs vary based on your home value, location, construction type, and coverage limits. Average annual premiums range from $1,000 to $3,000 or more. Post Insurance compares quotes from multiple carriers to find competitive rates for your situation.
Does homeowners insurance cover earthquakes in California?
Standard homeowners insurance does not cover earthquake damage. California residents need a separate earthquake policy, available through the California Earthquake Authority (CEA) or private carriers. Post Insurance can help you add earthquake coverage to protect your home.
What is umbrella insurance and do I need it?
Umbrella insurance provides extra liability coverage beyond the limits of your home and auto policies. It is especially valuable for California residents with significant assets to protect, typically starting at $1 million in additional coverage for a relatively low annual premium.
What are the benefits of using an independent insurance agent?
Independent agents like Post Insurance work with multiple carriers instead of just one company. This means we can compare rates and coverage from 50+ insurers to find the best value. We also provide personalized advice and ongoing service as your needs change.