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 4.8 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
I called 8 different insurance companies for a landlord quote. A few companies did not offer landlord insurance coverage. Carson Kwan was highly recommended and he was professional and provided a reasonable quote compared to other companies. His staff is very kind and I would highly recommend Kwan Insurance!
Emma Buchanan
1 month ago
I took my son to get auto insurance and Karson was informative and reliable. He helped us to get a great coverage with a premium much lower that what we expected. I highly recommend Kwan Insurance.
Karen Cheng
2 months ago
Reached out on a Friday, sent link same day, I filled out application over the weekend, got quotes the following (for auto, home & umbrella) Tuesday. They told me upfront that my rates were likely the best already, but they still helped me out. The umbrella was inherited from a previous broker who had been non reponsive - and I asked if the policy could be switched over. They were able to do so in 24 hours. I am beyond relieved to find competent agents who took time to answer all my questions before even gaining my business. Thank you!
Milly Shiu
2 months ago
Karson is fantastic to work with. I was referred to him about a year ago and we now have multiple policies with his company. He always looks out for his clients and finds the best fit and price while also giving guidance on coverages specifically. Highly highly recommend!
Mino Solomon
2 months ago
Wow, Karson is extremely knowledgeable on different insurance plans. I never thought I could enjoy buying insurance but here I am. 10/10 would recommend.
Marcus Cheung
2 months ago
Highly recommend Kwan Insurance Services. I had a wonderful experience with Karson. He was very prompt, thorough and thoughtful. He took the time to explain to me options and quick to find solutions for me. I was very happy with his work. 👏👏👍👍
Edna Salinas
2 months ago
I was helped by Karson. I switched my vehicle insurance over and he was able to create a bundle with my home insurance as well.
Above all, I really enjoyed the professionalism and urgency that he showed while working on my files.
I felt secure and comfortable the entire time and have no problems recommending his services to any of my friends.
Wayne Wen
2 months ago
We had a great experience with Karson setting up insurance for our new home in California. He was extremely responsive via email and text, offered clear explanations, and provided us with everything we needed. Highly recommended!
David Thissen
3 months ago
Karson was a great agent/insurance advisor to work with when my family and I were looking for a different bundled homeowners and auto insurance provider. He was incredibly responsive and able to provide multiple quotes, along with sound advice to help me better understand the right choice for coverage. At a time when many homeowners face limited options due to insurers no longer providing coverage for California residents I felt a sense of security working with Kwan insurance.
Tiffany Zendejas
3 months ago
It was wonderful to have an agent like Karson Kwan, experience, friendly and patient, I’m absolutely delighted working with him. 😁
A F1
3 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
