Strong Relationships. Reliable Coverage. Real Support.

About Preferred Property & Casualty Insurance Agency Inc.

At Preferred Property & Casualty Insurance Agency Inc., insurance is built on trust — not transactions. For over 25 years, we’ve served San Diego, Chula Vista, and communities across California with dependable coverage, honest advice, and personal support. From contractors and landlords to homeowners and families, we deliver tailored protection backed by people who truly care.

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Meet Our Managing Director

Chris Severance

Managing Director | License #6000828

With over 25 years of experience, Chris brings unmatched insight and dedication to every client relationship. As the founder and Managing Director of Preferred Property & Casualty, he leads with the same values that define the agency itself: honest guidance, dependable service, and a deep understanding of the risks businesses and property owners face every day.


Chris works closely with business owners across California, specializing in General Liability, Commercial Auto, Umbrella, Commercial Property, and Workers’ Comp. He knows that getting coverage right isn’t just important — it’s essential. That’s why he takes the time to walk each client through their options, ensuring they feel confident and supported at every step.

“What makes our agency different is that we truly understand how important it is to make the right insurance decisions — and we’re here to help you do that, not sell you something you don’t need.”



— Chris Severance

Why Choose Us

The Independent Agency Advantage

As an independent agency, we work for you — not one carrier. That means you get access to multiple insurance options, carefully selected to fit your needs.

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Couple reviewing paperwork with a financial advisor in a home setting.
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Local, Personalized Support →

We’re more than just an agency — we’re your neighbor. When you call, you talk to someone who knows your community and takes the time to understand your goals.

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Quick Turnarounds and Easy-to-Understand Answers →

Busy professionals don’t have time for red tape. We move fast, explain your options clearly, and make sure every step feels simple and supported.

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Deep Experience →

Whether it’s personal protection or commercial, we’ve spent decades delivering focused expertise — not guesswork.

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Licensed in CA, OR & WA — Rooted in San Diego →

Our foundation is here in Southern California, but our reach extends across the West. Clients in Oregon and Washington benefit from the same reliable service and regional knowledge.

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Our Mission

At Preferred Property & Casualty Insurance Agency Inc., we build strong relationships through reliable and trustworthy insurance services — helping families and businesses navigate an ever-changing market with clarity and confidence.



Our mission is to protect and support the people who build, own, and invest — through clear guidance, strong coverage, and dependable relationships. We’re committed to helping businesses thrive and families feel secure — one honest conversation and custom policy at a time.

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Our Core Values

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Clarity

No jargon. No confusion. Just clear answers and expert support.

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Reliability

We do what we say — and we’re here when it matters most.

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Industry Expertise

From contractor certificates to HOA policies, we know the details that make a difference.

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Relationship-Driven Service

San Diego is our home — but strong relationships are at the heart of everything we do.

Whether you're next door or across the state, we treat every client like a neighbor because real protection starts with real connection.

Who We Serve

We work with California general contractors, electricians, landscapers, drywallers, landlords, HOA boards, rental property investors, and families — all looking for more than basic coverage. They rely on us for expert advice, responsive service, and insurance that fits their real-world risks.

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LETS TALK IT THROUGH

Based in San Diego, CA | Licensed in CA, OR, and WA

Contact Us Or Request a Quote Today!

Ready for support you can trust — and coverage that works for you?

Let’s start the conversation

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