Home Insurance in Westminster, CA

We also write auto, umbrella, earthquake and life, so you can keep everything with one office if you'd like.

Our team speaks English, Spanish and Vietnamese. Come by, call, or book a time that works for you.

Our office is at 15626 Brookhurst St, Westminster, CA 92683, a few minutes from Little Saigon and the shops along Bolsa Avenue, so plenty of our Westminster clients just stop in on the way home. If you've owned your house for a long time, it's worth making sure the dwelling limit has kept up with today's rebuilding costs, and that a newer roof, re-pipe or electrical panel is on file with your carrier, since those updates can matter at renewal. We also help homeowners in Midway City, which sits between Westminster and Huntington Beach and is part of our home area. We're licensed in California, Texas, Nevada, Arizona, and other states, but this is home. Phil speaks English and Vietnamese, and our team helps in English, Spanish and Vietnamese. Call 714-775-6777.

FAIR Plan, earthquake and condo coverage in Westminster

If your carrier non-renewed you and the California FAIR Plan is the only option for now, keep in mind it's a basic fire policy. It doesn't cover things like theft, water damage or liability, so most Westminster homeowners on it also need a second policy to fill those gaps. We set both up together and keep checking for a regular policy when one opens up. (The full FAIR Plan and DIC answers are in the FAQ on our Orange County home insurance page.)

Earthquake is never part of a standard homeowners policy. It's a separate policy with its own deductible. For an older single-story house on a raised foundation, it's worth asking whether the house is bolted and braced. We'll go over it with you, and you decide.

If you own a condo or townhome, the HOA's master policy usually covers the building's shell. What's inside your walls, your belongings and your liability are on you. We read the master policy with you so nothing is covered twice or missed.

Fountain Valley homeowners

Fountain Valley is right next to Westminster, a short drive down Brookhurst Street from our office, and many of our clients live there. Much of Fountain Valley is single-family tract homes from the late 1960s and 1970s. Many of those houses have been remodeled, re-roofed or re-piped since then, and those updates should be on file with your carrier, since they can matter at renewal. If you're in the 92708 ZIP and got a non-renewal or a big renewal increase, call us at 714-775-6777, or send your declarations page and the name of your current insurance company to admin@phildongagency.com. We help in English, Spanish and Vietnamese, and Phil speaks Vietnamese himself.

Westminster home insurance questions

My Westminster house was built in the 1950s or 60s. What will an insurance company ask about?

Usually the age of the roof, the plumbing (galvanized or copper), the electrical panel, and whether the dwelling limit matches today's rebuilding cost. If you've had updates done, have the year and permits ready. 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.

I own a condo or townhome in Westminster. Doesn't the HOA policy cover me?

Usually only partly. The HOA master policy typically covers the building and common areas. You still need your own condo (HO-6) policy for the inside of your unit, your belongings, your liability and HOA loss assessments. Send us the HOA master policy summary, the name of your current insurance company and your declarations page at admin@phildongagency.com, or call 714-775-6777.

Do you help Fountain Valley homeowners too?

Yes. Fountain Valley is next door to our Westminster office at 15626 Brookhurst St, and we insure many homes in 92708. Tell us who your current insurance company is and send your declarations page to admin@phildongagency.com, or call 714-775-6777. We help in English, Spanish and Vietnamese.