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Our Products
Personal Auto Insurance
Auto insurance protects you and your car from unexpected losses, and California law requires every vehicle owner to carry it.
✅ Core coverage: third-party liability (damage to others), collision (repairs to your own car), comprehensive (theft and natural disasters) and more
Homeowners Insurance (HO3)
A comprehensive plan tailored to any type of home that covers the property and your belongings, and protects you and your family too.
✅ Core coverage: the structure, other structures, contents and personal liability, plus temporary living expenses.
✅ Optional add-ons: earthquake, flood or high-value item coverage.
RV, Motorhome, Travel Trailer and Fifth-Wheel Insurance
Protects you and your RV from unexpected losses so your road trips are worry-free. California requires it for any RV or motorhome driven on public roads.
✅ Full coverage: physical damage (accidents and natural disasters), campsite liability (injury or damage to others), contents (furniture, appliances) and more
Condo Insurance (HO6)
HOA dues only cover common areas and the building exterior; what happens inside your unit is not protected. KCAL offers condo policies that fill the gap the association leaves.
✅ Core coverage: interior structure, personal property, personal liability and additional living expenses.
✅ Optional add-ons: loss assessment, earthquake or high-value property coverage.
Motorcycle, ATV and Off-Road Vehicle Insurance
Protects you and your bike from unexpected losses. California requires coverage for every motorcycle owner.
✅ Core coverage: liability (damage to others), medical payments and more
✅ Optional add-ons: off-road accident recovery, custom parts and equipment
Earthquake Insurance
California sits on active fault lines, yet a standard homeowners policy excludes earthquake damage. When shaking means repairs or a rebuild, earthquake insurance pays for reconstruction and living expenses while you are displaced.
✅ Core coverage: the structure and contents, plus temporary housing.
Add-on: Umbrella Insurance
With rising living costs, property values and lawsuit awards, the liability limits on a standard auto or home policy may no longer be enough. An umbrella policy adds a layer of personal liability on top of your auto, home, rental, boat or motorcycle coverage.
Customer Stories
① Buying auto and home separately? It costs more than you think!
Mr. and Mrs. Wang live in Temple City with three cars. Last year they paid $1,957.64 for home insurance with carrier A and insured their cars elsewhere.
"Spending that much on home and auto every year did not sit right with us," Mr. Wang says. They came to KCAL and tried a bundle. After comparing carriers, KCAL packaged their home and auto policies, saving $976.88 on the home and another $322 on the cars. "We never expected bundling to save this much with no cut in coverage. Great value!"
② Bundle once, save time and effort
Mr. Cheng of Irvine owns his home, a rental property and several cars. He had been buying auto, home and landlord policies from carrier F for close to $16,000 a year and felt the cost was far too high.
On a friend's advice he came to KCAL to consolidate his policies.
The result surprised him: with identical coverage, the new package came to about $12,000, an easy $4,000+ saved every year. "Bundling across carriers made it cheaper and renewals so much easier. Where else do you get one-stop service like this?"
③ Auto-renewal too expensive? Don't worry!
The Lee family of Chino, a couple with one child and two cars, paid $2,491.15 a year for home insurance with carrier S, and their auto rates were nothing special.
"We planned to just renew, but the price was too high," says Mrs. Lee. A friend referred them to KCAL, where an agent found they qualified for low-risk household and mileage discounts and lived in a low-risk neighborhood.
We recommended a home + auto bundle that saved them $1,054.03 in total. "Who knew bundling could save this much with exactly the same coverage. That is smart insurance."
How It Works
Tell us what you need
Click Get a Quote and fill in two minutes of basics: vehicle, driving record, home details.
Smart comparison
The system drafts a quote, a licensed agent reviews it and checks for exclusive discounts, and you pick the best policy from multiple carriers.
Buy your policy
Sign online, pay the way you like, and you are covered in minutes.
KCAL Exclusive Service
Free policy updates, renewal benefit reviews and payment reminders, billing and claims assistance from start to finish, and the latest auto insurance news and discount alerts
Top Carriers, Handpicked for You
KCAL directly represents dozens of A-rated carriers and has been a VIP agency for years, so we can tailor the right auto plan for you. Basic coverage or special needs, we respond fast and make sure your policy is the best priced, most complete and best serviced.
About the Agency
KCAL Insurance Agency is a licensed insurance agency certified by the California Department of Insurance (License #0B07015). Verify our license on the CA Department of Insurance website (opens in new tab).
Registered address: 2048 S. Hacienda Blvd., Hacienda Heights, CA 91745
Customer service: 1-626-333-1111
Service Notes
Auto premiums vary by carrier, vehicle, driving record, years licensed, address and other factors; the carrier's underwriting determines the final premium. KCAL charges no additional broker fee during quoting or purchase; you pay only the premium set by the carrier. Coverage, deductibles and endorsements are governed by the policy contract. Questions? Call our customer service line free of charge.