San Ramon

About San Ramon

Insurance in San Ramon, CA

Inszone writes insurance in San Ramon, CA from our office at 3130 Crow Canyon Pl., Suite 425. San Ramon is home to Bishop Ranch, a 585-acre business park, and Mount Diablo is in view from nearly every part of the city.

This office was Onstad’s Insurance Agency, an East Bay agency that began in 1926 selling life insurance in San Leandro, opened in Hayward in 1961 and settled in San Ramon in 1986. It joined Inszone in March 2026, and the phone number, 925-866-1444, is unchanged.

Our insurance in San Ramon, CA represents many carriers rather than one. In California that matters when a carrier pauses new business, tightens its rules on roofs and brush, or sends a non-renewal, because an Insurance Specialist can look at other markets instead of starting over.

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Personal Insurance in San Ramon, CA

For San Ramon households we write homeowners, condo, renters and landlord policies, auto, personal umbrella liability and earthquake, along with boats and classic cars. Life and health insurance can be quoted through our wider team alongside a home and auto policy.

Anyone shopping for home insurance in San Ramon, CA is looking at a tighter market than a few years ago, since several admitted carriers have paused or limited new homeowners business in California. California requires at least 75 days’ notice before a homeowners policy is non-renewed. An Insurance Specialist starts with the admitted carriers still writing in the area, moves to surplus lines if they decline, and only then looks at a residual-market policy paired with a difference in conditions policy, which adds back liability, theft and water damage that a basic fire policy leaves out.

Homes at the edge of the hills, toward Mount Diablo and Las Trampas Regional Wilderness, are the ones carriers tend to look at most closely for brush and wildfire exposure. A larger or custom home can also outgrow a standard form, so high-value home carriers generally offer extended replacement cost, higher limits for jewelry, art and collections, and umbrella liability sized to the household.

Earthquake is excluded from standard homeowners policies. California requires insurers that write homeowners coverage to offer earthquake coverage, and much of it is written through the California Earthquake Authority. A CEA earthquake policy carries a deductible of 5 to 25 percent of the dwelling limit, so a 15 percent deductible on an $800,000 dwelling limit is $120,000 before the policy pays for the house, and an Insurance Specialist can show what each option means in dollars for a specific home.

Drivers comparing car insurance in San Ramon, CA should know California raised its liability minimums on January 1, 2025, to $30,000 per person, $60,000 per accident and $15,000 for property damage, and they rise again in 2035. With Interstate 680 running through the city, many households price higher limits alongside the minimum.

Renters insurance in San Ramon, CA is written around your contents and personal liability rather than the building. Condo policies fill the gap between the HOA’s master policy and your unit.

Business Insurance in San Ramon, CA

For San Ramon and Tri-Valley employers we place general liability, commercial property, business owner’s policies, commercial auto and fleet, workers’ compensation, cyber liability, professional liability and employment practices liability.

Offices at Bishop Ranch and across the city often work under client and lease contracts that set minimum limits, so an Insurance Specialist reads the contract before quoting. Cyber liability is written around breach response and data claims, and employment practices liability around employee claims such as wrongful termination, harassment and discrimination.

Workers’ compensation in California is required from the first employee, with no small-employer exemption, and several contractor classifications must carry it even with no employees at all. An Insurance Specialist can go through class codes, payroll audits and experience modification with a business owner.

Inszone Insurance agency near me

Our San Ramon office is open Monday to Friday, 8:30am to 4:30pm, with weekends by appointment. Call 925-866-1444, use the quote form on this page, or come by 3130 Crow Canyon Pl., Suite 425.

From San Ramon we work with clients across the Tri-Valley and Contra Costa County, including Danville and Walnut Creek. Whether the question is a non-renewal notice, an earthquake deductible or a contract that asks for a certificate of insurance, our Insurance Specialists can talk through the options available for your situation.

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FAQs

Is this the same office that was Onstad’s Insurance Agency?

Yes. Onstad’s Insurance Agency, founded in 1926, is now part of Inszone Insurance, and this page’s office is at 3130 Crow Canyon Pl., Suite 425. Call 925-866-1444 to reach the same team.

What are the minimum auto insurance requirements in California?

California requires liability limits of at least $30,000 per person, $60,000 per accident and $15,000 for property damage. Those limits took effect January 1, 2025, the first increase since 1967, and they rise again to $50,000, $100,000 and $25,000 on January 1, 2035. Anything above a policy’s limit comes out of the driver’s own assets, and an Insurance Specialist can price higher limits alongside the minimum.

My home insurance wasn’t renewed. What are my options?

California requires at least 75 days’ notice of a homeowners non-renewal. An Insurance Specialist re-shops the admitted carriers still writing in your area first, goes to surplus lines carriers if they decline, and can then look at a residual-market policy paired with a difference in conditions policy, which adds back liability, theft and water damage that the basic policy leaves out. Bring the notice and your current declarations page.

Does homeowners insurance include earthquake damage in California?

No. Earthquake is excluded from standard homeowners policies. California requires insurers that sell homeowners coverage to offer earthquake coverage, and much of it is written through the California Earthquake Authority, with deductibles of 5 to 25 percent of the dwelling limit. An Insurance Specialist can show what each deductible means in dollars for your home.

Does my San Ramon business need workers’ compensation insurance?

Yes. Under California Labor Code section 3700, every employer with one or more employees must carry workers’ compensation, with no small-employer exemption. Five contractor classifications must carry it even with no employees at all: C-8 Concrete, C-20 Warm-Air Heating/HVAC, C-22 Asbestos Abatement, C-39 Roofing, and C-61/D-49 Tree Service. Every other licensee can still file a no-employee exemption until January 1, 2028.

How do I get a quote from your San Ramon insurance office?

Call 925-866-1444 or use the quote form on this page, or come by 3130 Crow Canyon Pl., Suite 425 if you would rather do it in person. Have your current declarations page to hand if you can, and for business insurance your revenue, payroll by class and recent loss runs. If a carrier has sent a non-renewal or cancellation notice, bring that too.