San Diego · Independent Brokerage
Protect the business.
Cover your crew.
Win the contract.
Three policies, one agency, zero runaround.
Get a real quote from a real agent in San Diego — not a call center.
Coverage snapshot
All 12 lines
Everything Solstice writes,
in one place.
Home
Home · condo · renters
Auto
Personal · commercial
Classic Car
Agreed value
Landlord
Rental property
Flood
NFIP & private
Earthquake
CA add-on
Umbrella
From $1M liability
Life
Term & permanent
Business
GL · property · BOP
Workers Comp
CA employers
Bonds
Contractor · performance
Event
Single-day policies
Why Solstice
Independent,
and on your side.
Independent, not captive.
We don't work for one carrier. We work for you — walking across seven doors until your premium and protection are both in balance.
Built for California.
Wildfire zones, earthquake add-ons, flood exposure — we write the endorsements that actually cover what the California contract leaves out.
Real humans, every time.
Same licensed broker handles your quote, renewal, and claim. No hold music. No 1-800 labyrinth.
Voices
What clients say.
"Switched our home and two cars and saved $1,100 the first year. They caught a coverage gap our last agent missed."
"They wrote our GL, workers comp, and a performance bond in one week. I call one person for all of it."
"Filed my first claim ever after a kitchen fire. They walked me through every step. Felt like family."
FAQ
Answers before you ask.
Do I actually need an umbrella policy?+
If you own a home, drive regularly, have teenage drivers, or have savings worth protecting — probably yes. Umbrella kicks in after your home or auto liability maxes out. $1M typically runs $150–$300/year.
What drives my premium up or down?+
Location, coverage limits, deductibles, insurance score, claims history, and discounts (bundling, paid-in-full, safety devices). We walk through every lever.
Independent vs. captive — does it matter?+
A captive agent sells one carrier. Independent (that's us) shops many. Same coverage, different prices — so you get the best fit without switching agents when markets shift.
Is bundling really cheaper?+
Usually 10–25% on auto + home, but not always. We quote bundled and unbundled so you see the real number.
What happens when I file a claim?+
Call us first. We open the claim, track status, and translate jargon. No 800-number runaround.
Ready?
Quote in under five minutes.
No obligation. No spam. One licensed broker on the other end.