PCRG Insurance is an independent insurance agency serving Los Angeles, from the Westside and the Hills to Malibu, the South Bay, and Pasadena. From coastal bluffs to hillside estates, Southern California clients need coverage that understands entertainment-industry income, fine art collections, and earthquake exposure most standard policies miss.
We compare coverage from multiple carriers and build one coordinated plan for your homes, vehicles, collections, business, and family, in California and anywhere else you own property.
At a Glance
- Personal: Luxury homes, earthquake, condos, auto, collector cars, umbrella, and life insurance
- Business: General liability, commercial property, commercial auto, commercial umbrella, and contractors insurance
- High-value: Hillside and coastal estates, fine art, jewelry, watches, and umbrella coverage for public figures
Insurance We Offer in Los Angeles
Luxury Home Insurance
Coverage for hillside, canyon, and coastal estates, including extended or guaranteed replacement cost, wildfire coverage, and difference in conditions (DIC) policies that pair with the California FAIR Plan.
Earthquake Insurance
Standard homeowners policies exclude earthquake damage. We compare California Earthquake Authority (CEA) policies with private earthquake coverage offering higher limits for high-value homes.
Condo Insurance
A condo policy (HO-6) covers your unit’s interior, belongings, and liability, plus loss assessment coverage if your HOA bills owners for a large claim, including after an earthquake.
Auto and Collector Car Insurance
Coverage for daily drivers, exotic cars, and collector cars, with agreed value policies and high liability limits.
Umbrella Insurance
Extra liability protection above your home and auto policies, including personal injury coverage for claims like defamation, which matters for public figures.
Life Insurance
Coverage to protect your family, cover estate costs, and support business succession, planned around variable income from residuals, royalties, and project-based work.
Business Insurance
General liability, commercial property, commercial auto, commercial umbrella, and contractors insurance for Los Angeles companies, creative businesses, and luxury home builders.
High-Value Home and Private Client Insurance
Coverage from carriers built for luxury homes and significant collections, including fine art, jewelry, and watches scheduled at appraised value.
Wildfire Insurance after the Palisades and Eaton Fires
The January 2025 Palisades and Eaton fires destroyed thousands of homes in Pacific Palisades, Malibu, and Altadena, and many owners discovered they were underinsured. Since then, many carriers have stopped writing new policies in high-risk areas, leaving homeowners with fewer options. Our team works with a wide range of admitted and non-admitted carriers to help you find coverage in these areas.
A strong wildfire plan also includes:
Extended or guaranteed replacement cost, reviewed regularly as rebuilding costs rise
Building code upgrade coverage, for rebuilding to current code
Wildfire defense services, offered by some high-value carriers
Additional living expenses, for extended displacement during a rebuild
If your insurer has non-renewed your home or sharply raised your premium, we can help you access other options, including admitted carriers and excess and surplus lines markets, to find the strongest coverage available for your home.
Already on the California FAIR Plan? We can review your current policy and look for more complete protection, whether that means replacing your FAIR Plan coverage or pairing it with a difference-in-conditions policy to fill the gaps.
Earthquake Insurance for Los Angeles Homes
Los Angeles sits among several active faults, yet standard homeowners policies exclude earthquake damage. CEA policies are widely available, and private carriers offer higher dwelling limits, lower deductibles, and broader coverage for high-value homes and collections. Condo owners should also review earthquake loss assessment coverage, since HOA master policies often exclude earthquakes.
Insurance for Entertainment Industry Professionals
Actors, writers, directors, producers, and executives face exposures most households don’t: public visibility, unpredictable income, and heightened privacy and security risks. We help protect:
- Reputation and liability, with umbrella coverage that includes personal injury protection for defamation and invasion of privacy claims
- Privacy and digital life, with personal cyber insurance for identity theft, cyber extortion, and online harassment
- Personal security, including kidnap, ransom, and extortion coverage for families with elevated risk
- Household staff, through workers’ compensation and employment practices liability (EPLI) for assistants, nannies, and house managers
- Family income, with life insurance planned around residuals, royalties, and project-based pay
Fine Art and Collections Insurance in Los Angeles
Collectors need coverage that follows their art from home to gallery to museum. A strong collections policy includes:
- Scheduled and blanket coverage at appraised value
- Newly acquired works, covered automatically for a set period after purchase
- Wall-to-wall coverage for works in transit or on loan to museums and galleries
- Removal and relocation coverage, which helps pay to move art out of harm’s way when a wildfire threatens, offered by some high-value carriers
Hillside and Coastal Bluff Risks
Homes in the Hollywood Hills, Malibu, and Palos Verdes face landslide, erosion, and mudflow risk. Standard homeowners policies exclude earth movement, but flood insurance covers mudflow, which is common in burn areas after wildfires.
Why Work with an Independent Private Client Agency
If you own multiple homes, collect art, have a public profile, or run a business, policies from separate companies can leave gaps. We compare carriers that specialize in high-value and complex households and coordinate everything in one plan.
Los Angeles Communities We Serve
Westside and Coastal
Bel Air, Beverly Hills, Holmby Hills, Brentwood, Pacific Palisades, Santa Monica, Malibu, Manhattan Beach, Palos Verdes Estates, and Rolling Hills.
Hollywood Hills and the Valley
Hollywood Hills, Los Feliz, Hancock Park, Studio City, Sherman Oaks, Encino, Calabasas, and Hidden Hills.
Pasadena and the San Gabriel Valley
Pasadena, San Marino, La Cañada Flintridge, and Altadena.
How to Get an Insurance Quote in Los Angeles
- Tell us what you want to insure. Homes, vehicles, art, business, or all of the above.
- We review your current coverage. We find gaps and overlaps, including property outside California.
- We compare carriers. You’ll see admitted, excess and surplus lines, and FAIR Plan options side by side.
- We stay with you. As your homes, collections, or career change, we update your coverage.
Los Angeles Insurance FAQs
Does PCRG Insurance Serve Los Angeles?
Yes. We serve individuals, families, and businesses throughout Los Angeles, from the Westside and Malibu to the Valley and Pasadena.
Can I Get Home Insurance in Los Angeles after the 2025 Wildfires?
Yes, though options may be narrower in high-risk areas. An independent agency can compare admitted carriers, excess and surplus lines insurers, and the California FAIR Plan.
What Is the California FAIR Plan, and Do I Need a DIC Policy?
The FAIR Plan is a last-resort policy that mainly covers fire. A difference in conditions (DIC) policy fills its gaps, such as water damage, theft, and liability, so most FAIR Plan homeowners benefit from pairing the two.
Does Homeowners Insurance Cover Earthquakes in California?
No. Standard homeowners policies exclude earthquake damage. You can add coverage through the California Earthquake Authority or a private earthquake policy with higher limits.
Does Homeowners Insurance Cover Landslides or Mudslides?
Standard policies exclude landslides and earth movement. Flood insurance covers mudflow, which is a common risk in burn areas after wildfires.
How Should I Insure Fine Art in Los Angeles?
Schedule major works at appraised value, add blanket coverage for smaller pieces, and confirm your policy covers works in transit, on loan, and removal when a wildfire threatens.
What Insurance Do Entertainment Industry Professionals Need?
Beyond home and auto, most need a high-limit umbrella with defamation coverage, personal cyber insurance, and coverage for household staff. Some also add kidnap and ransom protection.
Will One Umbrella Policy Cover My Los Angeles Home and a Home in Another State?
It can, if every property, vehicle, and watercraft is listed and your underlying policies meet the umbrella’s requirements.
What Is Private Client Insurance?
Coverage designed for high-value households, typically with higher limits, broader protection, and more personalized claims service, often combining multiple homes, vehicles, umbrella, and collections in one program.
Get an Insurance Quote in Los Angeles
Tell us what you want to protect, and a PCRG advisor will review your coverage, show you where the gaps are, and compare options. There’s no cost and no obligation.