top of page
IQ Logo - Cropped - NO Background.png

INDEPENDENT INSURANCE · SOUTHERN CALIFORNIA

Insurance for people who read the fine print

And for everyone who'd rather we read it for them. Home, auto, umbrella and business coverage, compared across several carriers and explained in plain English.

The 60-Second
Coverage Check

Has your dwelling limit been updated in the last two years?

Do you have an umbrella policy?

Is your home on the California FAIR Plan?

Has anyone reviewed all your policies together this year?

Answer four quick questions.

No sign-up needed. We just want you to know where you stand.

WHAT WE ACTUALLY DO

We read this part.
So you don't have to.

Coverage is subject to the limits of liability shown in the Declarations and to all terms, conditions and exclusions of this policy. We will pay the reasonable cost to repair or replace the damaged dwelling, up to the limit of liability for the dwelling, using materials of like kind and quality. Increased costs incurred to comply with the enforcement of any ordinance or law are covered only up to the amount stated for that additional coverage. Additional living expense is payable for the shortest time reasonably required to repair or replace the premises, subject to the time limit stated in the Declarations. Debris removal, trees, shrubs and plants are subject to separate, lower limits as described elsewhere in this policy. Loss to personal property is settled on the basis shown in the Declarations, which may be actual cash value unless replacement cost has been selected.

Section I · Property coverages (sample wording)

Every policy has a few lines that decide how a claim goes. We find them and explain them before you ever need them.

these lines decide your claim

One review.
Everything covered.

We look at your home, cars, liability and business together, so nothing falls between policies.

01 · Home

The house you've worked for.

Primary homes, high-value homes, condos and rentals, with a dwelling limit that matches today's rebuild costs.

Every car in the driveway.

02 · Auto

Daily drivers, new teen drivers and the weekend car.

03 · Umbrella

The lawsuit nobody plans for.

Extra liability protection above home and auto.

04 · Business

What you've built,
professionally.

General liability, commercial property, commercial auto and workers' compensation.

Notes from the claims side.

Before opening Insure Quality, our owner spent years as a property claims adjuster. Three things that job teaches you:

The limit you chose years ago is the one you rebuild with.

Construction costs move. Your dwelling limit doesn't, unless someone updates it.

File no. 02

"Covered" and "covered enough" are two different things.

Sub-limits on code upgrades, debris and living expenses are where claims fall short.

File no. 03

Paperwork wins claims.

A ten-minute video of every room, saved online, is the best claim tool you'll ever own.

Foothill homeowners

Non-renewed? Stuck on the FAIR Plan?

Wildfire risk has made many foothill homes hard to insure. You still have options, and we'll walk through every one of them with you.

i.

ii.

iii.

We review what you have

Dwelling limit, rebuild cost, code upgrades and living expenses.

We check the market

As an independent agency, we can look beyond a single carrier.

We fill the gaps

If the FAIR Plan is the answer, a difference-in-conditions policy covers what it leaves out.

Independent · several carriers

RFA · CLTC · CISR Elite

Local office in El Monte

File no. 01

The limit you chose years ago is the one you rebuild with.

Construction costs move. Your dwelling limit doesn't, unless someone updates it.

“

I was buying a car and I needed car insurance at the last minute. Stephen literally, no exaggeration, went above and beyond in working with me all day to find insurance for my commercial vehicle so I could drive it off the lot in San Francisco and head home to LA. No one else that Yelp contacted for me through the app came through, except for Stephen. He was amazing, and I can say I would highly recommend him to anyone of my closest friends for a insurance quote.

Basil A - Yelp Review

If you are looking for an honest, reliable and likable agent, than Stephen is your guy. In this day and age, it is difficult to find an honest insurance agent who will provide information/quotes without the "fluff," ie. if you don't buy a, b will happen. With Stephen, he will provide you with information that is best for his clients as he is not captive to one company, and will provide the best options and prices available - THAT is customer service (and he does it with a smile)! Stephen is the best, you won't be disappointed!

“

Robyn S - Yelp Review

Come By.
Bring your policy.

We'll sit down, read it with you, and tell you honestly whether anything needs to change.

Office

3736 N PECK ROAD

EL MONTE, CA 91731

Hours

Mon - Fri

10-12 & 1-6

Phone

bottom of page