Real talk on California insurance from the licensed advisors at Kiesau Insurance Services. We cover what's actually changing in the home, auto, life, and business insurance markets — why your rates are moving, what new regulations mean for California homeowners and landlords, and what you can do about it.
Topics we cover: California insurance crisis · Home & auto rate changes · Renters insurance · Landlord coverage · Life insurance & retirement planning · Business insurance · Long-term care
Austin J. AdamsEveryone wants a cheap policy and full coverage at the same time. In this market, that combo usually means someone quietly took the coverage away.
Austin J. AdamsFiling a claim can follow you for years — even at $0 payout. Learn how CLUE reports work and why insurance was built for catastrophic loss, not everyday wear.
Austin J. AdamsLife insurance may do more than leave a death benefit. Learn how certain policies can provide financial support following a qualifying chronic, critical, or terminal illness. Protection for the people you love—potentially for you while you're living
Austin J. AdamsInsurance companies are making a fuss about it, so is an automatic water shut off necessary for you?
Austin J. AdamsInsurance is quietly reshaping California real estate. Here's what you need to know!
Austin J. AdamsHow the 2026 California elections could impact your insurance rates, coverage options, and availability. Learn how wildfire risk, regulation, and leadership decisions shape the market.
Wildfires, rising rebuild costs, and several major insurers (State Farm, Allstate, others) pulling back from California have driven home insurance rates up sharply in 2024–2026. We help San Diego homeowners navigate the changing market and find coverage from carriers still writing new business in California.
We're an independent insurance agency licensed throughout California, serving clients across San Diego County — including La Jolla, Carlsbad, Encinitas, Chula Vista, Oceanside, Poway, Del Mar, Rancho Santa Fe, and the surrounding communities. We also serve clients statewide.
As an independent agency we offer auto, home, life, business, and renters insurance, plus long-term care and retirement planning. Being independent means we shop multiple carriers to find the best fit — we're not locked into one company.
You can request a free quote online or call us at 858-566-8555. Most quotes take 10–15 minutes once we have your basic information.
Let's review your current coverage and find ways to save without sacrificing protection.
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