Personal Insurance

Protect everything
that matters
most to you.

From your car to your home to your family's future — CoverGuard compares 20+ top carriers to find you the right personal coverage at the best possible rate.

✓ Auto Insurance ✓ Homeowners & Renters ✓ Landlord Coverage ✓ Life Insurance
Carriers We Compare
ProgressiveTravelersNationwide Bristol WestHartford+ 15 more
✦ Free & No Obligation

Get Your Personal Quote

2 minutes · No spam · Real savings

What do you need to insure?
A little more detail
Where should we send your quotes?
🔒Secure & never sold. A licensed agent will contact you within 1 hour.
✅

You're all set, there!

A licensed CoverGuard agent will reach out within 1 business hour with your quotes.

📞 Call Now Instead
Why CoverGuard
Independent means
we work for you.
🏆

We Compare — You Save

Unlike direct insurers who only offer their own products, we shop 20+ carriers and present you with the best options. Our clients save an average of $480–$840 per year on personal coverage vs. their prior insurer.

🏆
$620
Average annual savings on auto insurance vs. prior carrier
🔄

Annual Reviews

Every renewal, we review your policy to make sure you're still getting the best rate as your life changes.

📍

Local Whittier Agents

We're based in Whittier and know California's insurance market. Real agents, real conversations — not a bot or call center.

📍
⚡

1-Hour Response

Every quote request gets a personal response from a licensed agent within 1 business hour.

Coverage Options
All the personal coverage
you need, in one place.
🚗
Auto Insurance
Compare 20+ carriers for the best rate on personal, SUV, truck, or motorcycle coverage.
  • Liability (required by CA law)
  • Collision & Comprehensive
  • Uninsured Motorist
  • Roadside Assistance
Get Auto Quote →
🏠
Homeowners Insurance
Protect your home, personal property, and liability with a policy tailored to California homeowners.
  • Dwelling & structure
  • Personal property
  • Liability protection
  • Additional living expenses
Get Home Quote →
🏢
Renters Insurance
Protect your belongings and personal liability even when you don't own your home.
  • Personal property coverage
  • Liability protection
  • Temporary housing costs
  • Often under $20/month
Get Renters Quote →
🏘️
Landlord Insurance
Protect your rental property investment with coverage your homeowners policy doesn't provide.
  • Rental property structure
  • Liability at the property
  • Lost rental income
  • Tenant damage coverage
Get Landlord Quote →
❤️
Life Insurance
Term and whole life coverage to protect your family's financial security when it matters most.
  • Term life — affordable coverage
  • Whole life — builds cash value
  • Final expense coverage
  • Income replacement
Get Life Quote →
🏍️
Specialty Coverage
Motorcycles, boats, classic cars, RVs, jewelry, off-road vehicles — coverage your standard policies exclude.
  • Motorcycle & powersports
  • Boat & watercraft
  • Classic / collector car
  • Jewelry & fine art
Explore Specialty →
Client Reviews
Real people.
Real savings.
Saved $840/year
★★★★★
"I'd been with the same company for 7 years and assumed loyalty would pay off. CoverGuard found me the exact same coverage for $70 less per month. The process was incredibly smooth and my agent answered every question I had."
CM
Carlos M.
Personal Auto · Baldwin Park, CA
Best renters rate
★★★★★
"Got renters insurance through CoverGuard in about 15 minutes. Affordable, simple, and the agent explained every part of the policy clearly."
LM
Linda M.
Renters Insurance · Whittier, CA
Bundled and saved
★★★★★
"Bundled my auto and homeowners and the savings paid for the premium increase I got. Highly recommend CoverGuard for bundling your personal coverage."
AP
Aisha P.
Auto + Home Bundle
FAQ
Personal insurance
questions answered.
Can I bundle multiple personal policies? +
Yes — bundling auto with homeowners or renters typically saves 10–25% on both policies. We'll always check whether bundling gives you the best combined rate during the quoting process.
How quickly can I get covered? +
For most personal policies — auto, renters, even homeowners — same-day coverage is common. Submit a quote request and a licensed agent will reach out within 1 business hour.
Can I switch insurance mid-policy? +
Yes — you can switch at any time, not just at renewal. Your old insurer will typically refund the unused portion of your premium. We make the transition seamless so there's never a coverage gap.
What's the minimum auto coverage required in California? +
As of January 1, 2025, California raised its minimum liability requirements under SB 1107 to $30,000 per person / $60,000 per accident for bodily injury and $15,000 for property damage. These are the legal floor — we recommend higher limits to fully protect your assets in a serious accident.

Find the right personal coverage today.

Free comparison. No obligation. Licensed agents ready to help.

Get My Free Quote →📞 (562) 758-1200
🏠 Get My Personal Insurance Quote