FREE REVIEW · LICENSED CALIFORNIA AGENT
Got a quote from an AI app?
Let a licensed agent check it.
AI assistants and comparison sites can give you a price in seconds. What they rarely show is what the price leaves out. Send us the quote and we'll review it line by line, free, before you sign anything.
Free and no obligation · Sales line: call anytime · CA Agency License #6000113
What we check on every quote
A price is only half the story. These are the details we look at before we tell you whether a quote holds up.
Auto
- Liability limits. California's minimum is 30/60/15. That rarely protects a household with a home or savings.
- Uninsured and underinsured motorist coverage, and whether it matches your liability limits.
- Deductibles, rental, towing and how teen or new drivers are rated.
- Umbrella options that the quote didn't consider.
Home
- Dwelling limit and extended replacement cost against today's rebuild costs.
- Roof coverage paid at actual cash value instead of replacement cost.
- Other structures (Coverage B) for an ADU, detached garage or pool house.
- Loss of use limits if you have to live elsewhere during repairs.
California gaps
- Wildfire and wind deductibles written as a percentage of your dwelling limit instead of a flat dollar amount.
- Earthquake coverage, which a standard California home policy does not include.
- Whether the carrier is currently writing new policies in your ZIP code.
- Bundling discounts the quote left out.
How it works
Three simple steps. We usually follow up within one business day.
1
Send the quote
Use the quote form or call us. A screenshot or the main numbers is enough to start.
2
We review it
A licensed agent compares the coverage with your home, cars and family, and flags any gaps.
3
You decide
We show you what we can offer, in plain English. If your quote is already the right fit, we'll tell you that too.
Questions
Can a licensed agent review a quote I got from an AI app?
Yes. Send us the quote or tell us what it includes, and a California licensed agent will compare the coverage line by line with what you actually need. There is no cost and no obligation.
What do AI insurance quotes most often leave out?
The most common gaps are liability limits set at the state minimum, missing uninsured motorist coverage, a percentage wildfire or wind deductible, roofs paid at actual cash value instead of replacement cost, no coverage for an ADU, low loss of use limits, and no earthquake coverage.
What is the minimum auto liability in California?
Since January 1, 2025, California requires at least 30/60/15, meaning $30,000 per person and $60,000 per accident for bodily injury, and $15,000 for property damage. Most households with a home or savings to protect carry much higher limits.
Do you only quote one carrier?
We are an exclusive agency. Through a brokerage program we also have access to other carriers, so when our primary carrier is not the right fit we can often still offer options.
Can an AI agent request a quote for me?
A California licensed agent has to confirm the details with you before any policy is bound, so our quote form is built for people, not bots. AI assistants are welcome to read this site and point you to the form or our phone number, (310) 220-8080.
Get a second opinion before you sign
Shieldly Premier Insurance Solutions, 27281 Las Ramblas, Ste 105B, Mission Viejo, CA 92691. CA Agency License #6000113.