Personal lines of Insurance

Personal Insurance Lines: Home, Auto, Rental

We partner with highly rated insurance carriers to bring you products and services that provide coverage tailored to your situation, with the prices and policies that work best for you and your family.

personal liability

Umbrella Coverage: Personal Liability Insurance

When the unexpected happens, you need the right protection and coverage—sometimes, beyond what your usual policy covers.

  • Provides additional protection above your current auto and homeowner policies.
  • Fully safeguard the assets and standard of living you’ve worked hard to establish.
  • Cover your personal liability with primary, excess, and umbrella limits up to $10 million.


Learn More About Umbrella Coverage

homeowner's insurance

Homeowner’s Insurance and Renter’s Insurance

Whether you need renter’s insurance or homeowner’s insurance, we can help you determine exactly how much coverage you need while explaining insurance terms, definitions and coverages.

  • Coverage for your condo, apartment, rental or secondary property
  • Typical policies cover the structure of your home, personal possessions, replacement costs, living expenses in the event of a disaster, and homeowner’s liability.
  • We’ll locate the products to safeguard your home, belongings and valuables in the event of theft, disaster or accident.


Learn More About Homeowner’s and Renter’s Insurance

auto insurance

Automobile Vehicle Insurance

We’ll find the right California car insurance—for high value or standard autos, recreational vehicles, and motorcycles—that suits you and your family.

  • Live help when you need it, and a dedicated claims service, at no extra cost to you
  • Find discounts you’re eligible for
  • Information you might need on insuring teen drivers
  • 24/7 online access to your California car insurance policy


Learn More About Auto Insurance

collector car insurance

Antique or Classic Car Insurance

  • Don’t depend upon standard California car insurance to cover the needs and exposures of your well-loved classic car.
  • Let us find the right coverage for your antique, collector, or classic car. Among other issues, the limited driving you do with your classic car means not paying the higher premium you would normally pay for a primary vehicle.


Learn More About Collector Car Insurance

collectibles insurance

Collections and Other Valuables Insurance

  • In addition to basic home coverage, we are able to offer products that provide additional collectibles insurance.
  • These can include insurance products for wine, furs, silver, fine art, antiques and other valuable items.


Learn More About Collectibles Insurance

jewelry insurance

Jewelry Insurance

  • Though your homeowner’s and renter’s insurance policies extend coverage to your jewelry, be aware that limits may only cover jewelry and precious stones up to an amount between $1,000 and $2,000.
  • Avoid the heartbreak of loss, and protect your valuable jewelry with a separate policy that offers increased coverage amounts.


Learn More About Jewelry Insurance

earthquake insurance

Earthquake Insurance

  • Earthquake insurance pays for covered losses to your property caused by an earthquake or volcanic eruption, up to the limits you select.
  • The California Earthquake Authority offers insurance for individually owned residences and our representatives work with them along with other carriers to find homeowners the best priced, most comprehensive coverage.


Learn More About Earthquake Insurance

aircraft insurance

Aviation Insurance

  • High investment property such as aviation needs the proper coverage to ensure their protection in the event of theft, accident, damage or other losses.
  • O’Kane & Tegay representatives can find the best possible aviation insurance coverage for your planes, jets, fractional corporate jets, helicopters and other aircraft.


Learn More About Aviation Insurance

boat insurance

Personal Watercraft Insurance

  • If you enjoy personal watercraft, you know the importance of safety—physical and financial. Let us find you the insurance coverage that best suits your yacht, mega-yacht, sailboat or personal watercraft.
  • We’ll search for boat insurance discounts while locating the coverage that fulfills your specific insurance needs.


Learn More About Personal Watercraft Insurance

motorcycle insurance

Motorcycle Insurance and RV

  • A motorcycle can be an exciting but risky addition to your life.
  • The right motorcycle insurance policy will cover your distinct situation, including coverage for events and rallies if applicable, as well as any qualifying discounts.


Learn More About Motorcycle Insurance

Learn more about your personal insurance options

We’ll review your current coverage for free, discuss your current risks and search for the best insurance products to fit your personal needs.

Call us today to speak with one of our friendly agents in our San Francisco office.

415-242-8777 (Mon-Fri, 8:00 am to 4:00 pm)