Home and auto
Home, auto, and bundled options with guidance from licensed agents. Reference pages, honestly framed: this is not what the agency is built to own.
Request a quote
A licensed agent reviews your request. Certificates are issued after a policy is bound.
Available, not the specialty
Kavana is a commercial construction agency. Personal lines exist here because clients ask, and because a contractor who insures their business often wants their house handled by the same people.
Homeowners
Dwelling, contents, and liability. California wildfire exposure drives most of the underwriting conversation.
Auto
Personal vehicles, including the overlap when a personal truck gets used on the job.
Bundled
Home and auto together where a carrier’s multi-policy structure genuinely prices better.
Renovation overlap
Where a homeowners policy stops and builder’s risk starts on a remodel or ADU build.
We would rather say it plainly
We are not a personal-lines mill. Home and auto exist as reference pages if you need a quote. They are not what this agency is built to own, and the site should not pretend otherwise.
The one place personal and commercial genuinely collide is renovation. Insuring a home remodel while building an ADU without leaving the existing house exposed is a real problem, and it is a construction problem.
If your account is only home and auto, a personal-lines specialist may serve you better. We will tell you that.
GENERAL GUIDANCE ONLY. THE POLICY FORM, ENDORSEMENTS, AND CARRIER DECIDE WHAT IS COVERED ON YOUR ACCOUNT.
Other lines this job usually needs
Three steps, no instant-bind theater
Tell us the job
Operations, payroll, vehicles, contracts, or project value — whatever applies.
Review the structure
Limits, deductibles, exclusions, and what sits outside the policy.
Bind and issue
Choose coverage. Get policy documents and COIs once the carrier binds.