Insurance across the market
for homes and commercial property.
Stargane Insurance Services · California License No. 6019376
We shop the whole market and read your current coverage, so gaps show up before you file, not after.
Stargane Insurance Services · Licensed California insurance brokerage · License No. 6019376
The first thing we read is the market itself.
California has changed under every property owner. Carriers are pulling back, renewals get declined, and wildfire and quake exposure have reshaped who will write what, while your policy quietly ages inside it.
- Carriers pulling back
- Non-renewals
- Wildfire & quake exposure
- Fewer doors open each year
We read this market every day. Here is where we stand with you.
One application, read once, then carried across the whole market.
We're your broker, not a carrier and not a comparison engine. We shop the whole market, including the specialty markets others walk away from, and find the coverage that fits, with the gaps closed before you file.
Markets we frequently shop · access varies by risk
Most owners have a gap they don't find until they file a claim.
New policy or the one you have now, home or commercial: we read the things that decide whether you get paid and tell you exactly where you stand. No jargon.
Replacement cost - the limit that's supposed to rebuild your home.
Ordinance & law - the cost of rebuilding to current code.
Living costs & rent income - while your place is being repaired.
Earthquake & flood - the two big California exposures.
Illustrative figures · not a quote, saving, or guarantee
A low limit quietly cuts your payout. We find it before you file - not after.
A read is only useful if the deal closes on time.
When a sale, loan, or escrow is waiting on coverage, we move. We coordinate with the lender, escrow, and agent so it's confirmed in writing exactly when it's needed, and the deal closes on schedule.
Coverage isn't in place until it's confirmed in writing by the insurer.
Realtors & lenders
Working a purchase, refinance, or 1031? Send the address and the close date - we'll get you quotes fast and keep the file moving, for residential and commercial deals alike.
A real person who knows your account - and picks up the phone.
You work with a dedicated, licensed team that knows your policy and your property, not a call center or a rotating rep. The same people who set up your coverage help you through the claim.
Bek Hamit
Founder & Licensed Producer
Licensed California producer No. 4542497. Bek runs every account - shopping the market, reviewing your coverage, and handling claims personally.
John Tate
Associate
John leads growth at Stargane and makes sure every owner who reaches out actually hears back.
Tell us about your property - we'll tell you where you stand.
Get a quote
A real person gets back to you within one business day.