Whether you live in a single family home, a condo, or a townhome, BearStar understands that your property is likely your most prized possession. This is why our experience and market knowledge makes it easier for clients to rest assure they have the right coverage at the best pricing available. 

In light of the challenges in obtaining home insurance in California, our brokerage partners with A-rated insurance carriers capable of underwriting properties that are traditionally difficult to insure or have been non-renewed.

We do have insurance companies still offering insurance in CA!


Quickest way for our Team to get to work for you is by using the link below to upload your current information ( it takes less than 1 minute)

Import My Insurance

Dwelling Coverage

This protects the physical structure of your home, including walls, roof, foundation, and attached structures like a garage or deck, from covered perils such as fire, windstorm, hail, lightning, and vandalism.


Other Structures Coverage

Covers detached structures on your property such as a garage, shed, fence, or guest house, typically up to a certain percentage (usually 10%) of your dwelling coverage.


Personal Liability Coverage

Are you protected if someone is injured on your property, or if you damage another’s? Personal liability protection can insure against events you can be held liable for.


Personal Property Coverage

Are your jewelry and other valuables properly covered? What about your beloved furniture, appliances, or pricey artwork? Personal property coverage protects these belongings.


Medical Payments to Others

Covers medical expenses for guests who are injured on your property, regardless of fault. This coverage helps avoid a liability claim and typically has lower limits compared to liability coverage.


Other Coverages

Additional coverages available for Identity Theft, Sewer Backup, Equipment Breakdown and Service Line Coverage


BearStar Insurance:

Protect Your Haven: Insure Your Home with Us!


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They have always been responsive to our needs, whether it's adding a driver to our auto insurance, finding discounts to help us keep our premiums reasonable, bundling our auto and homeowner's, etc. They returns calls and emails quickly and knows their stuff. When we bought an RV on a holiday weekend we were able to get them on the phone and arrange for the required insurance before we drove off the dealer's lot. Excellent customer service!
Natalie T.
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Gino is a great agent. He's taken the time to help me adjust my policy when I moved and needed additional coverage. He came back with the right answers within hours. I trust him.
Jon C.
I am thankful for the fine service that Gino and the firm has provided for me and my family. We have been customers for years now and he has never wavered as a source of support and information.
Jose C.
I've appreciated my dealings with your office for a long time.
Lawrence E.
I have been with Bearstar for seven years and never once had any problems. They always responded quickly and answered any questions I've had. They always advised me on what is the best coverages for my situation. I highly recommend Bearstar
J. R.
Excellent service and competitive rates I use them for all of my family’s insurance needs. I would highly recommend them.
Lloyd K.
I have been a client for years. I get personal service for the same rates I would get from the budget insurance companies out there where I would deal with a different person every time.
Kristian S.
They handle all of my insurance needs. They respond quickly and make sure I have the right coverages in place. With them business insurance is one less thing I have to worry about, allowing me to focus on running my business
Fairmont Flooring
Always there for us. A fantastic business partner. Highly recommended!
Junk King of Orange County
They take care of all of my business insurance needs. They stay on top of questions, renewals and certificates all issues immediately. I couldn't recommend them any higher - the best!
M Scott
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