Personal Insurance in El Segundo and Los Angeles
Car, home, condo, and umbrella coverage for South Bay households. We compare 30+ carriers and fit your policies together so the coverage holds up and the price makes sense.
Where do you want to start?
Pick a coverage to see what it includes and what it costs locally.
- Auto insurance Cars, commuters, and teen drivers
- Homeowners insurance Your house, belongings, and liability
- California FAIR Plan Fire coverage plus a wrap policy
- Landlord insurance Rentals, duplexes, and ADUs
- Condo insurance Walls-in coverage for HOA owners
- Umbrella insurance Extra liability above home and auto
- Mercury Insurance in L.A. Mercury auto and home, quoted locally
Coverage for your home, car, and family
Each policy below can be quoted on its own or bundled. We show you both prices so you can see whether bundling actually saves you money.
Auto insurance
Coverage for your cars and everyone who drives them, priced across carriers that write in Los Angeles County.
- Liability above California minimums
- Collision and comprehensive
- Uninsured motorist and rental car
Homeowners insurance
Protection for the house itself, what is inside it, and your liability if someone is hurt on your property.
- Dwelling and other structures
- Personal property and loss of use
- Personal liability
California FAIR Plan
When standard carriers will not write your home, we place FAIR Plan fire coverage and pair it with a wrap policy.
- Fire coverage when carriers decline
- Wrap policy for theft, water, and liability
- A path back to a standard carrier
Landlord insurance
Coverage for homes and units you rent out, from a single condo to a duplex with an ADU in back.
- Dwelling coverage for rented homes
- Loss of rental income
- Landlord liability
Condo insurance
Your HOA covers the building. A condo policy covers your unit, your upgrades, and your belongings.
- Interior walls, fixtures, and upgrades
- Personal property
- Loss assessment from the HOA
Umbrella insurance
An extra layer of liability coverage that starts where your home and auto limits stop.
- Limits starting at $1 million
- Covers your whole household
- Legal defense costs
Mercury Insurance in L.A.
We quote Mercury auto and home policies and compare them side by side with other carriers.
- Mercury auto and homeowners
- Side-by-side carrier comparison
- Local service from El Segundo
Not sure what you need?
Send us your current policies and we will point out gaps, overlaps, and places you may be overpaying.
- A review of your current policies
- Plain-English recommendations
- Quotes from 30+ carriers
Insurance for South Bay homes and drivers
SmartPath is an independent agency at 841 Apollo Street in El Segundo. We insure homes and cars across El Segundo, Manhattan Beach, Hawthorne, Torrance, Westchester, and the rest of Los Angeles.
Because we work with 30+ carriers, we can shop your coverage again when a renewal jumps or a carrier stops writing your area. You keep one agent who knows your household instead of starting over each time.
We often help with
- Homeowners non-renewals and FAIR Plan placements
- Adding a teen driver to your auto policy
- Insuring a rental unit or ADU
- Raising liability limits with an umbrella
Personal insurance questions
Don't see yours? Call (310) 751-5979 and ask.
Can I bundle home and auto with different carriers?
Yes. Bundling with one carrier often earns a multi-policy discount, but it is not always the cheapest option. We price it both ways and show you the difference.
What if my homeowners policy is non-renewed?
We shop the standard market first. If no carrier will write the home, we place a California FAIR Plan policy for fire, pair it with a wrap policy, and check the standard market again at renewal.
How much liability coverage should I carry?
Enough to protect what you could lose in a lawsuit, including savings and future income. Many households carry well above California auto minimums and add an umbrella policy as their assets grow.
How long does a quote take?
Usually 1-2 days once we have your current declarations pages and basic details about your home and drivers.
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.