Home Insurance

How to Apply for California Home Insurance Coverage

Applying for the home insurance coverage you need is simple with Costello & Sons Insurance! On the tool bar to the right we have two options for you:

Click the Instant Premium Indication – which asks for acouple of pieces of information that allows for our software to provide an instant insurance premium indication from several insurance companies;


Click the Apply Now Button – which will take you to a full length application that can be submitted to our office for formal insurance quoting.

How do I determine my home's replacement cost?

We have included a link to a helpful Home Replacement Cost Calculator to assist you in determining the appropriate insurable value of your home.

What insurance companies will I be shopped with?

Costello & Sons Insurance represents the leading personal lines insurance companies. To find out more please click the company logos below. We have included insurance coverage and financial information for each company we represent. Please feel free to explore their websites and learn more about the unique offerings of each Homeowners Insurance program.

Here at Costello & Sons Insurance we recognize the responsibility that comes with being a homeowner—furthermore we understand that it is vital to protect your home, and those who live inside, with comprehensive California home insurance.

At Costello & Sons Insurance we are proud homeowners too—exactly why we are committed to helping you navigate through this critical policy decision. You've worked hard to secure yourself a safe and inviting place to call your own—now the next logical step is protecting you and your property from a multitude of risk exposures.

As a well-established, full-service, insurance agency we have the ability to shop multiple carriers nationwide, comparing rates and resulting in the best possible California home insurance. No matter where you are located across the state—we're here to help you protect what matters most!

In order to secure you the most appropriate and effective coverage, it's important that we take the time to fully understand your individual needs—because let's face it, every home and California homeowner is different.

Typical coverage packages for CA home insurance can include protection for the following:

  • The physical structure of your home
  • Replacement cost
  • Personal possessions
  • Additional living expense (in the event of covered loss or a natural disaster)
  • Personal Liability

Looking for specialty coverage, for those unique exposures vulnerable within your standard homeowners insurance policy? Our California home insurance can be customized with further endorsements that may be purchased to enhance your home insurance! CA clients can benefit from additional coverage options, including:

  • Valuable Articles/Floater Insurance policies (i.e. Jewelry Insurance)
  • Flood Insurance policies
  • Earthquake insurance policies
  • Umbrella Insurance policies (additional liability)
  • Animal Liability (liability issues due to household pets)

At Costello & Sons Insurance, we know what may work for one homeowner, won't necessarily work for you. Which is exactly why we aim to create tailored insurance plans that reflect the distinct needs of you, your family and your unique home. Furthermore, we're happy to extend our insurance expertise, all across California—so whether you're in need of Orange County home insurance, San Francisco home insurance, or coverage anywhere across the state—we've got you covered with a dependable policy you can rely on!

Give us a call today, to learn more about our California home insurance policies. One of our insurance specialists would be happy to provide you with a complete coverage review as well as offer you a free quote for CA home insurance right now!

What insurance companies will I be shopped with?

CSI represents the leading personal lines insurance companies. To find out more please click the company logos below. We have included insurance coverage and financial information for each company we represent. Please feel free to explore their websites and learn more about the unique offerings of each Homeowners Insurance program.

+ Click each logo to show information about the insurance company.



The greater one’s net worth, the more vulnerable he or she is to risk. AIG offers a comprehensive, customized approach to managing life’s risks. Its innovative insurance products and risk management services are designed to enhance protection and minimize threats to personal wealth and safety. All of its products and services, including home insurance, are flexible and can be adapted to address your most complex needs.

AIG is a world leading property-casualty and general insurance organization serving more than 40 million clients in over 160 countries and jurisdictions. With a 90-year history, one of the industry's most extensive ranges of products and services, deep claims expertise and excellent financial strength, AIG enables its commercial and personal insurance clients alike to manage virtually any risk with confidence. AIG is the marketing name for the worldwide property-casualty and general insurance operations of AIG Inc.



Allied Insurance

Whether it’s protection for your home, vehicle, business, farm/ranch, or your financial health, Allied Insurance’s broad portfolio of personal and commercial products is flexible enough to meet or each customer’s individual insurance needs.

Allied understands how important choice is to you, so they partner with independent agents. That way you know you’re getting a plan right for you, and you’re buying it from someone you trust. To top it off, all of Allied’s insurance products are backed by the convenience and customer service promise you deserve from your insurance company.
Allied has carried on a tradition of service and integrity that is more than 75 years strong, and they view every point of contact with each customer as an opportunity to extend their reputation. By listening to you, and understanding your needs, they have developed insurance solutions that meet or exceed your expectations.

As part of Nationwide, Allied is rated A+ by A.M. Best Company, the leading industry rating service. Nationwide Financial Services, Inc. (NYSE: NFS), a member of the Nationwide group of insurance and financial services companies, is a diverse retirement savings franchise with an impressive growth record. Nationwide Financial Services, Inc., a publicly traded company based in Columbus, Ohio, provides a variety of financial services that help consumers invest and protect their long-term assets, and offers retirement plans and services through both public- and private-sector employers.



Chubb Group

Chubb gives what you expect when it comes to insurance, whether this means providing broader coverage, quick turnaround, life-saving loss prevention measures or exemplary claim service or all of these. When it comes to protecting your home and your assets Chubb offers coverage beyond your expectations.

The member insurers of the Chubb Group of Insurance Companies form a multi-billion dollar organization providing property and casualty insurance for personal and commercial customers worldwide through 8,500 independent agents and brokers. Chubb's global network includes branches and affiliates in North America, Europe, Latin America, Asia and Australia.  Chubb is rated A++ XV by A.M. Best for its financial strength.



Encompass Insurance

Encompass specializes in personal insurance. Unlike most insurance companies, personal insurance is all they do. They provide coverage that reduces the risk of financial loss associated with the things you hold dear: your home, your car, your CD collection and more...

Furthermore, Encompass firmly believes buying insurance can be simple and straightforward, policies can be easy to understand, and getting really good service can be the rule, rather than the exception.

Encompass Insurance is: 

  • More than 1.2 million customers in 42 states
  • Available through more than 2,800 independent insurance agents 
  • More than 2,300 employees. 
  • More than $1.7 billion in personal insurance written premium
  • One of the largest personal insurance brands in America
  • Encompass underwriting companies are rated B+ (Very Good), A- (Excellent), A (Excellent) or A+ (Superior) for insurance financial strength by the A.M. Best Company as of January 29, 2008



Travelers Insurance

For over 140 years, Travelers has been looking out for families and property, protecting them from losses while earning the reputation as one of the best and most experienced insurers in the industry.

Travelers offers:

  • More competitive price points to save you money.
  • A comprehensive range of products, including home insurance, and price points to serve all of our customers.
  • Flexible insurance packages that offer a high degree of customization. Our unmatched selection of coverage options allows you to design the insurance package that best meets your needs today and offers the flexibility you'll need for the years ahead.
  • Superior financial stability. You can count on Travelers to fulfill its financial commitment when a loss occurs.
  • Fast, efficient claim handling supported by our toll-free, 24-hour claim hotline.
  • A national presence with over 10,000 agency locations to serve you. Plus 2,000 claim professionals in 39 claim offices across the country.
    A constant commitment to innovation for consumers seeking more from their insurance company! More products. More services. More conveniences. More peace of mind!

Travelers (NYSE:TRV) is a leading provider of property casualty insurance and surety products and of risk management services to a wide variety of businesses and organizations and to individuals. The company reported 2007 revenues of $26 billion and total assets of $115 billion. Our products are distributed primarily through U.S. independent insurance agents and brokers. Travelers is the second largest writer of auto and home insurance through independent agents. Travelers is headquartered in Saint Paul, Minn., with significant operations in Hartford, Conn. The company also has offices in the U.K., Ireland and Canada.


ACE Private Risk Services

ACE Private Risk Services helps individuals and families enjoy the success they have achieved by protecting their assets with industry-leading insurance and risk management programs. ACE has earned a reputation for exceptional coverage and service, as indicated within the past few years by their top raking in surveys of independent agents and state insurance department studies that track consumer complaints.

The more you achieve and acquire, the more you face risks that are unique and complex. And the more you can benefit from the ACE Platinum Portfolio, their comprehensive personal insurance program. With just one policy, the ACE Platinum Portfolio can provide superior coverage for your home, vacation properties, autos, jewelry and valuable collections, watercraft and personal liability.

ACE Private Risk Services is part of the ACE Group of Companies, a global insurance group with more than $83 billion in assets. In addition to stability and strength, ACE is distinguished by its underwriting expertise, superior claims handling and global franchise in more than 50 countries.

ACE's U.S.-based underwriting companies are rated A+ by A.M. Best and AA- by Standard & Poor's. These ratings are important indicators of the claims-paying ability of the ACE insurance company that stands behind your policy.

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