Insurance Agency Serving Long Beach
SmartPath helps Long Beach homeowners, renters, landlords, and business owners compare coverage across 30+ carriers, from Belmont Shore bungalows to Bixby Knolls ranch homes.
Serving Long Beach from El Segundo
841 Apollo St, Suite 470El Segundo, CA 90245 Get directions
Insurance for Long Beach homes and businesses
The coverage Long Beach clients ask us about most, from older homes near the coast to rentals and small businesses.
What we see in Long Beach
Long Beach is a big city with a lot of older housing, a working port, and a long coastline. Here is how that shows up in your insurance.
Older homes need updated limits
Long Beach has a lot of older housing, from 1920s bungalows to post-war tracts. We set dwelling limits from current rebuild costs, so original details and older construction are not underinsured when you have a claim.
Earthquake is a separate decision
The Newport-Inglewood fault runs beneath Long Beach, and standard home policies exclude earthquake damage. We walk you through stand-alone earthquake options so you can decide with real numbers.
Coastal homes and flood
Homes near the water in areas like Naples and the Peninsula can sit in FEMA flood zones. Flood is also excluded from homeowners policies, and we can quote it separately.
Rentals and multi-unit buildings
Long Beach has a high share of renters, and many owners hold a duplex or small building. Rentals need landlord coverage, and larger buildings fit our apartment building program.
Neighborhoods and nearby cities we serve
- Downtown Long Beach
- Belmont Shore
- Naples
- Bixby Knolls
- California Heights
- Los Altos
- Signal Hill
- Lakewood
- Seal Beach
Long Beach insurance questions
Don't see yours? Call (310) 751-5979 and ask.
Do you have an office in Long Beach?
Our office is in El Segundo, about 20 miles away. Most Long Beach clients work with us by phone and email, and you are welcome to visit at 841 Apollo St, Suite 470.
Does homeowners insurance cover earthquake damage in Long Beach?
No. Standard homeowners policies in California exclude earthquake damage. Earthquake coverage is bought separately, and we can compare options for you.
Can you insure my Long Beach duplex or small apartment building?
Yes. We place landlord policies for duplexes and fourplexes and commercial property coverage for larger apartment buildings.
Is flood insurance required near the beach?
Lenders usually require it if your home sits in a high-risk FEMA flood zone. Even when it is not required, homes near the water may want it, because homeowners policies exclude flood.
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.