Personal Insurance Solutions

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How we can help protect what matters most

At Preferred Property & Casualty Insurance Agency Inc., we provide trusted personal insurance solutions for California homeowners, families, and high-net-worth individuals. From everyday auto coverage to protection for luxury homes, we make insurance clear, reliable, and tailored to your life.

Home Insurance

Coverage Where You Live – and Beyond

Protects your home against fire, theft, weather damage, and liability — with customizable options for every type of property.

Auto Insurance

Drive Protected. Drive Confidently.

Covers your personal vehicle for accidents, injuries, and repairs — with options for liability, comprehensive, and uninsured motorists.

Condo Insurance

Protection That Fits Your Unit & Lifestyle

Covers your condo’s interior, belongings, and liability — coordinating with HOA master policies for full protection.

Personal Umbrella Insurance

Added Protection for Life’s Big Surprises

Extends your personal liability coverage across all policies — ideal for families, landlords, and high-net-worth individuals.

Lifestyle & High-Value Insurance

Coverage for the Life You’ve Built

Tailored insurance for luxury homes, secondary residences, valuables, and collections — with elevated limits and white-glove service.

Water & Marine Insurance

For Boats, Jet Skis & Waterfront Properties

Protects watercraft, docks, and coastal homes from collision, liability, and weather damage — with options for full marine coverage.

Vehicle & Recreation Insurance

Coverage Beyond the Driveway

Includes protection for RVs, motorcycles, off-road vehicles, and snowmobiles — designed for adventure and peace of mind.

Property Condition & Supplemental Protection

Cover the Gaps. Secure the Exceptions.

Protects properties with elevated risk — including vacant homes, earthquake exposure, excess liability, and difference in conditions (DIC) coverage.

Ready to Protect Your Home, Vehicles, & More?

Let us help you find the right coverage for your lifestyle — with personal support and honest guidance every step of the way.