Comprehensive Protection

Protect Your Assets with Comprehensive Coverage

From your home and vehicle to your business operations, we offer extensive Property & Casualty insurance solutions with over 50 trusted carriers.

Complete Coverage Options

Whether you're protecting your personal assets or managing business risks, we have the right solution with competitive rates and exceptional service.

Personal Lines

Comprehensive protection for your most valuable personal assets.

  • Homeowners Insurance

    Dwelling, personal property & liability

  • Auto Insurance

    Standard & high-value vehicles

  • Umbrella Liability

    Additional protection up to $5M+

  • Renters & Condo

    Coverage for renters & condo owners

  • Specialty Coverage

    Watercraft, valuable items & more

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Commercial Lines

Tailored coverage solutions for businesses of all sizes.

  • General Liability (CGL)

    Protection against customer/third-party claims

  • Business Owners Policy (BOP)

    Bundled coverage at competitive rates

  • Workers' Compensation

    Required coverage for employees

  • Professional Liability (E&O)

    Coverage for professional advice/services

  • Cyber & Specialty

    Data breach, contractors, builders risk

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Why Choose POM for P&C Insurance

We combine expert knowledge with personalized service to find you the best coverage at the best rates.

50+ Carriers

Access to top-tier carriers ensures competitive rates and reliable coverage.

Quick Processing

Fast quotes and quick binding—most quotes available instantly online.

Expert Support

Our licensed agents provide personalized guidance for your unique needs.

Bundling Discounts

Save up to 25% by bundling auto, home, and business coverage.

Frequently Asked Questions

Get answers to common questions about Property & Casualty insurance.

What's the difference between Homeowners and Renters Insurance?

Homeowners insurance protects your dwelling structure, personal property, and liability. Renters insurance covers your personal property and liability but not the building structure, which is the landlord's responsibility.

How is my auto insurance premium calculated?

Auto insurance premiums are based on driving history, age, vehicle type, coverage limits, deductibles, and location. We compare multiple carriers to get you the best rate.

What does Umbrella Liability Insurance cover?

Umbrella insurance provides additional liability coverage beyond the limits of your home and auto policies. It typically covers legal fees and damages up to $1M-$5M+.

Can I bundle Personal and Commercial coverage?

Yes! Many carriers offer multi-policy discounts for bundling home, auto, and business coverage. Talk to our agents to maximize your savings.

How do I file a claim?

You can file a claim directly with your carrier or contact us for assistance. We provide 24/7 claim support to help guide you through the process.

Ready to get protected?

Get a free, personalized quote for Property & Casualty insurance today. No obligation.

Phone: +1 650-668-2668 | Available 24/7

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