Home · San Diego
If your house burned down tonight, would your policy rebuild it at today's prices?
Building costs change. Most policies don't get checked. Let's go through yours, line by line, for free.
- In English, Spanish or Portuguese
- Life, home, auto and business in one conversation
- A written gap analysis you keep
- No pressure. You decide.
Licensed insurance agent · CA License #4531284 · San Diego
Three gaps I see on home policies
A rebuild limit that's out of date
Your dwelling limit should match what it costs to rebuild your home today, not what you paid for it.
Earthquake isn't included
A standard homeowners policy in California doesn't cover earthquake damage. That takes separate coverage.
Liability for guests
If someone is hurt at your home, your liability limit is what stands between that claim and your savings.
How the review works
- 01
Tell me what you have
A 2-minute form or a quick call. Have your current policy handy if you can.
- 02
Free review, in your language
45 minutes, in English, Spanish or Portuguese. We go through what you own and what could go wrong.
- 03
Your written gap analysis
You get it in writing, with clear options. You decide. No pressure, whether you buy or not.
- 04
Covered, and checked every year
Once your coverage is in place, we review it every year as your life changes.
I'm Gustavo Gois. I review every policy line by line, the way an engineer reads a plan set, in English, Spanish or Portuguese.
Questions people ask
I rent. Is this for me?
Yes. Renters insurance covers your belongings and your liability. We can review that too.
My mortgage company requires insurance. Isn't that enough?
The lender requires enough to protect its loan. That isn't always enough to protect you.
Can we review home and auto together?
Yes. In the same review we can look at everything you have.