Insurance Agency Serving Los Angeles
From the South Bay to the Westside and beyond, SmartPath helps Los Angeles households and businesses find coverage across 30+ carriers, even where carriers are pulling back.
Based in El Segundo
841 Apollo St, Suite 470El Segundo, CA 90245 Get directions
Insurance for Los Angeles homes and businesses
The coverage Angelenos ask us about most, from home and auto to rentals and small business.
What we see across Los Angeles
Los Angeles is one of the hardest places in the country to insure a home or a car. Here is how we help.
Wildfire and home insurance
After the January 2025 Palisades and Eaton fires, many carriers tightened what they will write. We shop the standard market first and place the FAIR Plan with a wrap policy only when we have to.
Car insurance costs more here
Los Angeles drivers pay about $230 a month on average, according to Insurify data from October 2026. Theft, traffic, and repair costs all play a part.
Renters, landlords, and ADUs
Many Angelenos rent out a unit, an ADU, or a whole building. Rentals need landlord coverage, not a homeowners policy.
Small businesses everywhere
Restaurants, contractors, consultants, and shops each need different coverage. We match each business with carriers that write it well.
Areas we serve across Los Angeles
- South Bay
- Westchester
- Playa Vista
- Culver City
- Santa Monica
- West Los Angeles
- Downtown Los Angeles
- Hollywood
- San Fernando Valley
- Torrance
Los Angeles insurance questions
Don't see yours? Call (310) 751-5979 and ask.
Can you insure homes in fire-prone parts of Los Angeles?
We try. Carrier appetite changes by zip code. If no standard carrier will write the home, we place a California FAIR Plan policy with a wrap policy and shop again at renewal.
Do I have to visit your El Segundo office?
No. Most clients work with us by phone and email. You are welcome to stop by if you prefer.
Can you insure my Los Angeles rental property?
Yes. We place landlord policies for single-family rentals, condos, and ADUs, and commercial property coverage for apartment buildings.
Why is car insurance so expensive in Los Angeles?
Vehicle theft, traffic, and repair costs push rates up. In California your driving record, mileage, and experience still matter most, and comparing carriers helps.
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.