Homes and contents
Describe the residence, its use and the building or contents value. Requirements for higher-value homes and belongings vary across markets.
Home, Auto and Valuables Insurance Package
Review your home, vehicles, valuable articles and personal excess liability together. Choose the protection you need so the package can be matched to your property and location. Currently serving California.
Licensed in California
Menlo Insurance Services is the filed name of Opero Labs Inc. California license #6020106.
Eight brokers, one team
Our eight brokers work together as one Menlo team, so you can reach a person who understands your account.
Independent brokerage
We hold appointments with multiple carriers, so the quote is shopped rather than served from one shelf.
Coordinate the coverage around your household
The package request can include a home, condo, co-op or rental residence, vehicles, valuable articles and personal excess liability. Each market offers a different combination. A home is optional at entry, and each requested line still needs its own review.
Vehicles and valuable articles
Identify the autos and scheduled belongings you want included. Watercraft requests require a separate application.
Personal excess liability
Have your existing policies and household exposures ready so the excess protection can be reviewed with the underlying coverage.
A package matched to the requested lines
- Available combinations and minimum property values vary by market.
- California options are narrower; some property coverage is available only on a non-admitted basis.
- Collector cars and watercraft have separate requirements.
What changes your premium
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
- Requested coverage combination
- Residence type, use and location
- Property, vehicle and valuable-article values
Questions we get asked
Do I have to include home insurance?
The request lets you choose whether to include a home. The available standalone or combined options depend on the other lines requested and the market.
Does one request guarantee one policy?
No. The review may involve different policies or markets. Confirm the insurer, terms and limits for each offered coverage.
Ready to compare your coverage options?
Start your application online, or talk with a licensed broker about your situation.