Nadler Insurance — Since 1927

Homeowners Insurance in San Carlos, CA

Home insurance from an independent San Carlos broker serving San Mateo County and the Peninsula since 1927. Your home is likely your biggest investment — we make sure it's protected from the structure to your belongings to your liability.

What Homeowners Insurance Covers

Dwelling Coverage

Covers the structure of your home — walls, roof, foundation, and attached structures like a garage. Pays to rebuild or repair after covered losses like fire, wind, or vandalism.

Other Structures

Covers detached structures on your property — fences, sheds, detached garages, and guest houses. Usually 10% of your dwelling coverage.

Personal Property

Covers your belongings — furniture, clothing, electronics, and more. Protects your stuff whether it's at home, in your car, or even while traveling.

Liability Protection

Covers you if someone is injured on your property or if you accidentally damage someone else's property. Also covers legal defense costs.

Loss of Use

Pays for additional living expenses if your home is uninhabitable after a covered loss. Covers hotel stays, restaurant meals, and other temporary costs.

Medical Payments

Covers minor injuries to guests on your property, regardless of fault. Helps avoid lawsuits by paying medical bills quickly.

Homeowners Insurance in San Carlos and the Peninsula

Nadler Insurance has insured Bay Area homes for nearly a century. Our office sits at 1560 Laurel Street in San Carlos, CA, and we write home policies for owners across San Mateo County — including Belmont, Redwood City, San Mateo, Burlingame, Foster City, Millbrae, San Bruno, Half Moon Bay, Atherton, Menlo Park, Hillsborough, and Woodside — plus San Francisco and Peninsula homes into Santa Clara County.

Bay Area home insurance has its own pressures: wildfire risk in the hills and along the coast, the California FAIR Plan, replacement-cost inflation, and aging carrier appetites in high-risk ZIPs. We work with Travelers, Hartford, Mercury, Liberty Mutual, Hanover, and the California FAIR Plan to place coverage that actually fits where your home sits — not a generic quote built for a different state.

Why Get Home Insurance Through Nadler?

  • California expertise. We understand the unique risks Bay Area homeowners face — from wildfires to the California FAIR Plan.
  • Accurate coverage. We use detailed replacement cost estimators to ensure your home is properly insured.
  • Claims support. When disaster strikes, we're in your corner — helping you navigate the claims process.

Frequently Asked Questions

How much homeowners insurance do I need?
Your dwelling coverage should be enough to rebuild your home from the ground up at current construction costs — not your purchase price or market value. We use replacement cost estimators and work with you to ensure you're not under- or over-insured.
What's not covered by homeowners insurance?
Standard homeowners policies don't cover earthquake, flood, or normal wear and tear. In California, earthquake coverage requires a separate policy (often through CEA or a private carrier). Flood insurance is available through FEMA's NFIP or private insurers.
What's the difference between replacement cost and actual cash value?
Replacement cost pays to replace or repair your property at today's prices, without deducting for depreciation. Actual cash value (ACV) deducts depreciation, so you get less. We recommend replacement cost coverage for both your home and belongings.
How can I lower my homeowners insurance premium?
Bundle with auto insurance, increase your deductible, install security systems or smoke detectors, maintain a good credit score, and ask about discounts. As independent brokers, we compare rates across carriers to find you the best deal.
What happens if I make a claim?
Contact your carrier or call us first at 650-508-8000. An adjuster will assess the damage. Document everything with photos and receipts. We'll guide you through the process and advocate on your behalf to ensure fair treatment.
Does Nadler Insurance write home insurance in San Carlos and nearby cities?
Yes. Nadler Insurance writes homeowners policies for residences across San Carlos, Belmont, Redwood City, San Mateo, Burlingame, Foster City, Millbrae, San Bruno, Half Moon Bay, Atherton, Menlo Park, Hillsborough, Woodside, and the rest of San Mateo County, as well as San Francisco and the Peninsula into Santa Clara County. Our office is at 1560 Laurel Street in San Carlos, CA 94070.
What if my home is in a Bay Area wildfire zone?
Some Bay Area ZIPs are restricted by standard carriers due to wildfire risk, particularly in the hills along the Peninsula. When admitted carriers won't write or renew, we place coverage through the California FAIR Plan paired with a wraparound DIC (difference in conditions) policy to restore broader protections. We'll walk you through your options before recommending any approach.
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