--- title: Insurance Agency in El Segundo, CA | SmartPath Insurance url: https://smartpath-insurance.com/ description: Independent insurance agency in El Segundo. We compare 30+ carriers for home, auto and business insurance across Los Angeles and the South Bay. --- # Insurance Agency El Segundo & Los Angeles Metro Area ## The Smartest Way to Buy Home, Auto, and Business Insurance We shop your car, home, and business coverage across 30+ top-rated carriers, then stay on your side at every renewal and every claim. Real people, five minutes from LAX. [Quote My Policies](https://smartpath-insurance.com/quotes/) [Call (310) 751-5979](tel:+13107515979) 5.0 from 158 Google Reviews ## What do you need covered? - [Car](https://smartpath-insurance.com/quotes/?coverage=auto) - [Home or condo](https://smartpath-insurance.com/quotes/?coverage=home) - [Rental property](https://smartpath-insurance.com/quotes/?coverage=landlord) - [My business](https://smartpath-insurance.com/quotes/?coverage=business) About three minutes 30+ carriers compared for every quote $58M in insured property value 3,200+ insured families and businesses 28% average annual savings ## What South Bay neighbors say on Google [Read all 158 reviews](https://smartpath-insurance.com/reviews/) Spoke on the phone with Liz today and she helped me pick an insurance plan! She explained everything so I understood which plan I was getting, and made the whole experience easy. Amber T. Oct 2026 Liz Garcia @Smart Path has always been very attentive to finding a real estate insurance policy that provides good coverage at as reasonable a price as possible. I highly recommend Liz! Jeff S. Sep 2026 I am very happy and grateful to work with Liz Garcia. She is doing great on my insurance, very respectful and responsible in her work. Erfan N. Jul 2026 Excellent service and execution. Super professional and detail oriented. Richard does an amazing job. Brien P. Jun 2026 Excellent customer service and very knowledgeable. I would highly recommend SmartPath Insurance. Teri G. Dec 2024 Dina was excellent, service was fast and direct. I desperately needed coverage and she handled everything perfectly. I was quoted double from another agency. Rosemary Aug 2024 My agent Dina was very, very patient and worked with me over several days to help me find the best car insurance. Evelyn B. Jun 2024 Excellent service from Dina at SmartPath. She made switching insurance carriers really easy and fast. Highly recommend! Jessica S. Jun 2024 Liz was so easy to work with. Not only did she help me get insurance, she also helped me and my family save a lot of money. Such a kind and patient person. Delmy F. Jun 2023 Dina was very helpful to find the best quote for me with a notable insurance company. I appreciate all her help and highly recommend her as your agent! Nia B. Sep 2026 Mi hermana me recomendó a Dina Villanueva. Ella nos ayudó a ahorrar dinero con una buena compañía. Estoy muy contenta. Olga F. Jul 2026 Agent Dina was very professional, fast and friendly. Explained everything related to the insurance and answered all the questions! Deniss I. Jul 2026 Liz is an incredible agent and got me a plan hundreds of dollars cheaper than I had been able to find online or by calling around. Rickie S. Mar 2025 Insightful on all the policies and questions I had, and worked in a timely manner to get me everything I needed. A pleasure to work with! Melannie H. Dec 2024 I have a hard time with technology, but Liz was able to help me sign up for insurance without any hassle and without much technical know-how on my end. Barry K. Jun 2024 Liz was very helpful and made buying insurance very easy. She was very professional and explained everything thoroughly. I look forward to doing business with her again. Benjamin C. Jun 2024 Liz Garcia is a great insurance agent! She is so helpful, so quick and does the best research. She found me insurance with an affordable monthly payment for my budget. Ceci A. Jun 2023 Dina and Liz assisted me above and beyond any expectations I had. I needed insurance as soon as possible and communication was everything. Arquesha D. Jun 2024 ## Coverage for your home, your car, and the business you built Start with the policy you need today. We look at the rest of your coverage too, so nothing falls through the gaps between carriers. ### Personal insurance Car, home, and liability coverage for South Bay households, including homes the big carriers have stopped writing. - [Auto insurance](https://smartpath-insurance.com/personal-insurance/auto-insurance/) - [Homeowners insurance](https://smartpath-insurance.com/personal-insurance/homeowners-insurance/) - [California FAIR Plan](https://smartpath-insurance.com/personal-insurance/california-fair-plan/) - [Landlord insurance](https://smartpath-insurance.com/personal-insurance/landlord-insurance/) - [Condo insurance](https://smartpath-insurance.com/personal-insurance/condo-insurance/) - [Umbrella insurance](https://smartpath-insurance.com/personal-insurance/umbrella-insurance/) - [Mercury Insurance in Los Angeles](https://smartpath-insurance.com/personal-insurance/mercury-insurance-los-angeles/) [All personal insurance](https://smartpath-insurance.com/personal-insurance/) ### Commercial insurance Property, liability, and workers comp for owners who would rather run the business than read policy forms. - [Commercial auto](https://smartpath-insurance.com/commercial-insurance/commercial-auto/) - [Commercial property](https://smartpath-insurance.com/commercial-insurance/commercial-property/) - [Business owner policies](https://smartpath-insurance.com/commercial-insurance/business-owner-policy/) - [Workers compensation](https://smartpath-insurance.com/commercial-insurance/workers-compensation/) - [Professional liability (E&O)](https://smartpath-insurance.com/commercial-insurance/professional-liability/) - [Cyber liability](https://smartpath-insurance.com/commercial-insurance/cyber-liability/) - [Management liability](https://smartpath-insurance.com/commercial-insurance/management-liability/) [All commercial insurance](https://smartpath-insurance.com/commercial-insurance/) ### Industries Coverage built around how your field actually works, from job sites and storefronts to client data. - [Tech companies](https://smartpath-insurance.com/industries/tech-companies/) - [Trade contractors](https://smartpath-insurance.com/industries/trade-contractors/) - [Real estate investors](https://smartpath-insurance.com/industries/real-estate-investors/) - [Finance and accounting](https://smartpath-insurance.com/industries/finance-accounting/) - [Consultants](https://smartpath-insurance.com/industries/consultants/) - [Retail and wholesale](https://smartpath-insurance.com/industries/retail-wholesale/) - [Restaurants and hospitality](https://smartpath-insurance.com/industries/restaurants-hospitality/) [All industries we serve](https://smartpath-insurance.com/industries/) ## An El Segundo insurance agency that knows Los Angeles SmartPath Insurance is an independent insurance agency on Apollo Street in [El Segundo](https://smartpath-insurance.com/el-segundo-insurance-agency/) , between LAX and the beach. We write auto, home, condo, landlord, and business insurance for families and companies across the South Bay and greater [Los Angeles](https://smartpath-insurance.com/los-angeles-insurance-agency/) . Insuring a home in Los Angeles County has changed. Several major carriers have [pulled back on new homeowners policies](https://smartpath-insurance.com/california-fair-plan-rate-increase-alternatives/) , and many owners are being pushed toward the California FAIR Plan. Because we are independent, we compare standard carriers, specialty markets, and FAIR Plan options with wrap-around coverage. Then we explain the trade-offs in plain language. We also insure local businesses: aerospace and tech firms, the shops and contractors of Smoky Hollow, and restaurants along Main Street. Most need general liability, workers comp, commercial property, and cyber coverage. ### What does an independent insurance agency do? An independent insurance agency is licensed to sell policies from many insurance companies, not just one. SmartPath is appointed with 30+ carriers. When you ask for a quote, we compare coverage and price across them and recommend the policy that fits you, not the one a single company needs to sell. We stay on your side after you buy. When a renewal jumps, we re-shop your coverage with other carriers. When you file a claim, your agent follows up with the adjuster. In California this matters most for homes, where many carriers have pulled back; we can place you with standard carriers, specialty markets, or the FAIR Plan with a wrap policy. For businesses, we put liability, workers comp, property, and cyber together so nothing falls through the gaps. Quotes are free and usually take 1-2 days. ### Neighborhoods we serve every week - El Segundo - Manhattan Beach - Hermosa Beach - Redondo Beach - Playa del Rey - Westchester - Hawthorne - Inglewood - Torrance - Culver City - Santa Monica - Downtown Los Angeles Our office: 841 Apollo St, Suite 470, El Segundo, CA 90245 ## Less time, less money, less aggravation Three recent clients from around the South Bay, and what changed after they called us. ### A Manhattan Beach family with two cars and a house near the Strand Their home and auto renewals arrived the same month from two different companies, up 38 percent combined. We quoted seven carriers, bundled home and auto with one company, and added a $1 million umbrella for less than they had been paying. **Time** One 20-minute call **Money** $1,860 saved a year **Aggravation** One renewal date instead of two ### A duplex owner in El Segundo Their carrier non-renewed the property, and the only quote they could find was a bare-bones FAIR Plan policy. We paired a FAIR Plan dwelling policy with a difference-in-conditions policy, so water damage and landlord liability stayed covered. **Time** Covered in two business days **Money** $740 under their first quote **Aggravation** No gap in coverage ### An electrical contractor in Hawthorne Waiting a week for certificates of insurance had already cost them a general contractor bid. We moved general liability and workers comp to carriers we can issue certificates for directly, often the same afternoon. **Time** Certificates the same day **Money** $4,200 less on workers comp **Aggravation** One agent for every policy Results vary by household and business. These stories are based on real SmartPath clients, with names and some details changed for privacy. ## Independent agency or captive agent? Here is the difference. A captive agent can only sell one company's policies. We are independent, so we work for you and compare 30+ carriers before you buy. | Question | SmartPath Insurance (independent agency) | Captive agent | Buying direct online | | --- | --- | --- | --- | | Who they work for | You. We are appointed with 30+ carriers. | One insurance company | The insurance company | | Quotes you compare | 30+ carriers, side by side | One company's prices | One company's prices, typed in by you | | When your rate goes up | We re-shop the market for you | Pay it or start over somewhere else | You find out from the bill | | When you file a claim | Your agent follows up with the adjuster | Depends on the office | A call center queue | | California home coverage | Standard carriers, specialty markets, and FAIR Plan with wrap coverage | Only what their company still writes | Often unavailable in high-risk ZIP codes | | Business insurance | Liability, comp, property, and cyber placed together | Limited commercial options | Usually small, simple risks only | ![Richard Nguyen, agency principal of SmartPath Insurance](https://smartpath-insurance.com/wp-content/uploads/sites/183/bb-plugin/cache/F525F54A-CED2-4CA0-8A57-D7E252119D10-700x800-copy-square.png) ## Meet Richard Nguyen Agency principal, SmartPath Insurance Richard has worked in insurance for 22 years and holds California Insurance License #6004439. He built SmartPath for South Bay families and business owners who were tired of 800 numbers and surprise renewals. The idea is simple: one local agent who answers the phone, explains the fine print, and shops the market again whenever your rates move. Because SmartPath is independent, Richard and the team are not paid to push one company's policies. They compare carriers side by side, recommend what fits, and stay with you through every claim and every renewal after that. - [310-751-5772](tel:+13107515772) - [richard@smartpath-insurance.com](mailto:richard@smartpath-insurance.com) - [LinkedIn](https://www.linkedin.com/in/richard-nguyen-smartpath-insurance/) ### Some of the carriers we compare for you - Progressive - Travelers - Mercury Insurance - The Hartford - GEICO - Kemper - National General - Bristol West - The General - MexiPass ## Find out what you should be paying Tell us what you need covered. We compare 30+ carriers and come back with real quotes, usually within 1-2 days. [Quote My Policies](https://smartpath-insurance.com/quotes/) [Call (310) 751-5979](tel:+13107515979) 1. 1 ### Start On Our Website Tell us what you need covered in about three minutes. 2. 2 ### We Shop 30+ Carriers A licensed agent compares real quotes side by side for you. 3. 3 ### You Pick The Best Plan Choose the coverage and price that fit. We handle the paperwork.