Protect the biggest investment you may ever make.
We have the ability to shop your Home Insurance with multiple carriers nationwide. Most Californians make the mistake of shopping their Homeowners policy solely based on price. What usually ends up occurring with this situation is the homeowner now has a policy with the wrong protection! Our agency works with you to make sure that each aspect of your Home policy protects you from the following:
The dwelling and anything attached to the dwelling (fences, patios, driveways or walkways). Materials on or adjacent to the location for use in the construction, alteration or repair of. Protection is insured against may include Fire, Lightning, Windstorm, Hail, Explosion, Riot, Aircraft, Smoke and Vandalism or Malicious mischief.
Fences patios, driveways and walkways separated from the dwelling by clear space.
Usual to the occupancy as a dwelling and owned or used by you or the members at the location.
Loss of Rent and Rental Value
Meaning loss of rental income to you, from that part of the Described Location at the time of the loss, less any expenses that do not continue while that part of the Described Location rented uninhabitable.
A claim is made or a suit is brought against any insured for damages because of a bodily injury or property damage caused by an occurrence.
What sets us apart from the other agencies is that we go over your home in detail. For example, we calculate the percentage of your homes hardwood flooring versus carpet versus laminate. These details have a great impact on limits of coverage your policy should reflect. In addition, we provide extra coverage for high valued items in your home such as furs, jewelry, stamp collections, art, stones and other precious metals.
Get The Right Policy
We are here to help. You're just a click away from taking the stress and trouble out of choosing the right insurance policy.
We Can Help
We can help you understand the different coverage types available in your state. Then you can decide what limits and deductibles best fit your needs.
We give you multiple ways to save money when you choose more than one insurance policy.
24/7 Claims Hotline
Because accidents, thefts, or anything can happen any time, you can call us any time. We have claims experts on call to help walk you through the claims process and provide a quick, quality response.
Don't Just Take Our Word For It
See what our customers are saying about us.
“I have been a homeowner in Santa Barbara for the past 26 years. I live in a high fire area where it can be difficult to get good homeowners insurance. For years I was forced to use California Fair Plan. Jeff and Luke at OS Insurance Services were able to find me a policy with much better coverage at a better price. They return my calls promptly and are always friendly and professional. I give them my highest reference and my thanks for making what can be a difficult process almost enjoyable."
Santa Barbara Resident
“I have been with OS Insurance for three years, both auto and home. They had the best price I could find and their service has been blue ribbon. I have two teenage drivers and need all the help I can get... Jeff and Luke are the best. I highly recommend OS Insurance Services. "
“After reading and agreeing with all of the consumer complaints about California Fair Plan we were so relieved to find something better ... a great alternative is working with OS Insurance Service."
Thousand Oaks Resident
“Finding OS Insurance Services was like a dream come true because the California Fair Plan is not so fair."
Upper Ojai Resident