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 San Diego 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
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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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