Home Insurance in Garden Grove, CA

Lots of Garden Grove families like to talk in Vietnamese or Spanish, and so do we. You can ask anything, and nobody will rush you.

We also handle auto, umbrella, earthquake and life, so one office can take care of the household.

We help homeowners across Garden Grove, from the west side near Brookhurst and Westminster Avenue to the neighborhoods around Garden Grove Boulevard and Christ Cathedral, in ZIP codes 92840, 92841, 92843, 92844 and 92845. Many houses here have had rooms added over the years, and when the house changes, the dwelling limit and the liability setup should change with it, so bring any permits or the year the work was finished. Planning an ADU? Call before construction starts. Whether family will live in it or you'll rent it out changes how it should be covered, and it's easier to set up before anyone moves in. Our office is just over the city line at 15626 Brookhurst St, Westminster, CA 92683, and the number is 714-775-6777. If Vietnamese is easier for you, Phil speaks it, and the rest of the team covers English, Spanish and Vietnamese too.

FAIR Plan, earthquake and condo coverage in Garden Grove

Landlords and owner-occupants in Garden Grove are both getting non-renewal letters. If the California FAIR Plan ends up being the option for now, remember it only covers basics like fire. A second policy usually picks up what it leaves out, such as water damage, theft and liability. For a rental, the FAIR Plan and landlord coverage need to line up with how the house is actually used, so tell us who lives where. More FAIR Plan answers are on our Orange County home insurance page.

Earthquake is a separate policy in California. Many Garden Grove ranch houses were built in the 1950s and 60s, so ask us whether a retrofit or a newer foundation makes a difference for your home.

For condos and townhomes near Garden Grove Boulevard and Harbor Boulevard, the HOA master policy and your own condo policy have to work together. We'll read both with you.

Garden Grove home insurance questions

I rent out an ADU or back house in Garden Grove. Does my homeowners policy cover it?

Not always. A unit you rent to a tenant often needs landlord (dwelling fire) coverage or an endorsement, and the liability setup changes too. A unit where family lives rent-free may be handled differently. Tell us who your current insurance company is and send your declarations page to admin@phildongagency.com, or call 714-775-6777, and we'll go through it with you.

Do I need earthquake insurance for my Garden Grove home?

It's your choice. Homeowners policies don't cover earthquake damage, so it has to be a separate policy with its own deductible. We'll explain the options for your house so you can decide. Tell us who your current insurance company is and send your declarations page to admin@phildongagency.com, or call 714-775-6777.

Can I go over my Garden Grove home policy in Vietnamese?

Yes. Phil speaks Vietnamese, and our team helps in English, Spanish and Vietnamese. Tell us who your current insurance company is and send your declarations page to admin@phildongagency.com, or call 714-775-6777, and we'll review it with you in whichever language is easiest.

Also serving Westminster · Huntington Beach

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