ShieldNest — insurance quotes for California, New York & Texas
ShieldNest is a licensed insurance brokerage (National Producer Number 21405787) based at 14072 Peyton Dr, Chino Hills, CA 91709. We help homeowners, drivers, and motor carriers in California, New York, and Texas compare and buy property and casualty coverage through licensed agents.
Coverage we quote
- Homeowners insurance (HO-3) — dwelling, personal property, liability, and loss of use. Flood and earthquake are available as add-ons. Typical California premium: $1,400–$3,200 per year.
- California FAIR Plan — dwelling fire, smoke, lightning, and internal explosion for homes standard carriers decline, most often in high wildfire risk zones. Theft, liability, and water damage are not covered, so we pair it with a Difference-in-Conditions (DIC) policy. Typical premium: $1,800–$4,500 per year plus DIC.
- Commercial truck insurance — primary auto liability, physical damage, motor truck cargo, non-trucking liability, and general liability for owner-operators and fleets with a DOT number. We handle MCS-90, CA MCP, and FMCSA BMC-91 filings. Typical cost: $9,000–$16,000 per truck per year.
- Auto insurance — liability, collision, comprehensive, and uninsured motorist coverage for personal vehicles.
Guides
Common questions
What does the California FAIR Plan cover?
Fire, lightning, smoke, and internal explosion only. It is a last-resort dwelling fire policy for homes standard carriers decline, and is normally paired with a DIC policy that adds liability, theft, and water damage back in.
What liability limits do California motor carriers need?
FMCSA minimums for interstate operation are typically $750,000 in primary auto liability for general freight and $1,000,000 for most hazmat, plus California DMV Motor Carrier Permit filings. Most shippers and brokers also require $100,000 in motor truck cargo coverage.
Is wildfire damage covered?
Yes. Standard California homeowners policies placed by ShieldNest include wildfire as a covered peril; where carriers decline, we place FAIR Plan coverage plus DIC.
Premium ranges are illustrative; your quote depends on ZIP code, coverage limits, and risk profile. Start with a free quote.
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