Tailored Insurance Solutions for Vehicles, Businesses & Properties In California
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At Royal Stone Insurance Service, we pride ourselves on providing top-notch customer service with a personal touch. With over 14 years of experience in the insurance industry, our team is dedicated to ensuring that your needs come first. We are committed to honesty and integrity, making us the #1 choice for insurance in California.
Many of our insurance companies can insure you, even if you don’t have a valid U.S. driver’s license. We can insure you with your: Foreign driver’s license, Passport, Matricula and Government issued I.D.
reliable and professional quotes
completion of your quotes on time
communication throughout the process
Home Owner
“Royal Stone Insurance made the whole process of getting the right coverage easy and stress-free. Their team listened to my needs and provided me with a policy that fits perfectly for my home and auto insurance. I feel completely secure knowing I’m in good hands!”
Home Owner
“I’ve been with Royal Stone Insurance for years, and their customer service is unmatched. They took the time to understand my needs and tailored my policy to fit my lifestyle. It’s comforting to know I have a team that truly cares about my peace of mind. Highly recommend!”
Business Owner
“As a business owner, protecting my assets is critical, and Royal Stone Insurance has been there every step of the way. Their commercial policies are comprehensive, and their team is always available to answer any questions. I’ve never felt more secure with my coverage.”
We work with reputable insurance providers.
Get quick and accurate quotes via phone, text, or email.
We treat every client like family.
Affordable options that fit your budget.
Have a question? See our frequently asked questions & answers. If you have any specific questions about your project, get in touch and we’ll answer any questions you may have!
Comprehensive Property Coverage: This covers most direct, sudden, and accidental physical losses that aren’t specifically excluded in your policy.
Named Peril Coverage: This covers specific “perils” like fire, explosion, lightning, windstorm, and hail damage, as named in your policy, subject to exclusions and conditions.
Liability Coverage: This provides protection if you’re found legally responsible for an accident that causes injury to someone outside your home or property damage to another person’s belongings.
Actual Cash Value: If your home is destroyed in an insured event, this covers the cost to replace or repair the property, minus depreciation, based on the age and condition of your home.
Replacement Cost: If your home is destroyed by an insured loss and you have a Replacement Cost policy, the settlement will cover the cost to replace the damaged items with new property of similar material and quality, without depreciation.
Extended Replacement Cost: You could receive an additional 25% – 50% of the insured amount to replace your home, depending on the program (not available in all programs).
Popular optional coverages include Additional Living Expenses, Replacement Cost Coverage on Personal Property, Extra Coverage for jewelry, watches, and furs, Business Property and Liability, and High Liability Limits.
We specialize in landlord insurance. Here are some examples of the types of homes that our program covers:
Comprehensive Coverage: This covers most direct, sudden, and accidental physical losses such as fire, lightning, explosion, vandalism, landslide, falling objects, explosion, attempted or actual burglary or robbery, water damage from bursting pipes, damage caused by wild or stray animals, collapse from the weight of ice and snow, and wind or hail damage.
Optional Replacement Cost: With Optional Replacement Cost coverage, you receive a settlement reflecting the cost to replace damaged items with new property of comparable material and quality, without any depreciation. In most states, you can receive up to an additional 20% of the amount of insurance for your home if needed to replace it.
Agreed Loss Settlement: If your home is destroyed by an insured loss, you receive the full amount of insurance for your home, minus any applicable deductible, with no complications.
Liability Coverage: This protects you if you’re found legally responsible for an accident that causes injury or property damage to someone outside your home. It covers expenses such as medical bills, lost wages, pain and suffering, and property damage.
They offer all the “Extras!” including Additional Living Expenses, coverage for trees, shrubs, plants, and lawns, debris removal, emergency removal services, emergency repairs after a loss, credit card and check forgery, fire department service, and food spoilage coverage.
While other insurance companies don’t offer flexible coverages, our insurance company does and is there to help you save your money. Our insurance company specializes in great vacant home insurance coverage, which can be renewed for up to three years of coverage with pro-rated cancellation. They love vacant homes! Many other companies shy away from insuring vacant homes, but not our insurance company. They make it easy for you to move, renovate your home or put it up for sale. And you won’t get stuck paying for a longer term than you need. Nice. Lucky for you, Royal Stone Insurance Agency can help you choose the right vacant home policy for your vacant home property, so you can relax while someone else takes care of the paperwork!
Royal Stone Insurance Agency specializes in insuring homes that may not qualify for “standard” or “preferred” insurance for one reason or another. We sell both homeowners and owner-occupied policies that cover the following kinds of properties and risks:
We offer flexible payment plans, including pay online, by mail or electronic funds transfer. Keep in mind that higher deductibles can help lower the cost of your premium.
Mon – Fri: 8 am – 7:00 pm
Saturday: 10 am – 6:00 pm
Sunday: Closed
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