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Homeowners Insurance in Oakland, CA

Protecting Oakland Homeowners Against Risk

Oakland is right on the water and in the Bay Area, which sees a lot of tourists and has a lot of permanent residents. For these reasons and others, Oakland is a place where one can find many different kinds of homes and many different people. The risks that Oakland homeowners face are numerous and diverse in part because of the variety of residents of, visitors to, and homes in Oakland. Water damage that results from flooding, structural damage that results from winds, and fire damage that results from disconnected electrical wires are among these risks, which require protection. There are many ways in which Oakland homeowners can protect themselves against risk, but insurance is the easiest and best way.

At Riskguard Insurance Solutions we have a complete homeowners insurance program through which we write customized, effective, and cost-efficient solutions. We can write anything for anyone, and we’re local. We know Oakland residents’ wants and needs, so with every policy that we write, clients get the support of people who know what’s best.

Homeowners Insurance Coverage Details

Oakland homeowners need coverages like property, liability, and umbrella. They also however, need coverages that not all other homeowners need, including flood, and earthquake. We will help you find these coverages if you need them and we’ll also find all other coverages that you need. We’ll bring your coverages together into a package that fits you, and once this package is in place, we’ll monitor it regularly. We’ll also support you fully.

To learn about the flood risk level of the area in which you live, use the FEMA Flood Map Service Center’s search tool. To find out about risk of earthquakes in the area in which you live, see the California Department of Conservation’s earthquake page.

The coverages from which you can choose include:

  • Property Insurance
  • Homeowners Liability
  • Renters Insurance
  • Condo Insurance
  • Mobile Home Insurance
  • Scheduled Property Insurance
  • Landlords Insurance
  • In-Home Business Insurance

You may be eligible as a client of ours for benefits and discounts that save you money and time. Contact an agent to find out about these benefits and discounts.

Local, Skilled Agents Providing Services and Support

Oakland is a bustling city, full of culture and diversity. Our agents know this because they live in Oakland and/or the surrounding Bay Area.Homeowners’ needs are therefore known to our agents, and as a result anyone can get the best insurance from us. We write policies that mitigate all risks that clients face, and we also work hard to give clients the best possible experiences. We intervene in claims if necessary and we’re also always efficient and friendly. 

Please contact us or give us a call today. You can request a quote if you’re ready to start on a policy.

Additional Homeowners Insurance Information:

We’re proud to provide homeowners insurance in San Francisco, Oakland, Millbrae, Burlingame, San Diego, and Stockton, CA. We also serve other areas in the state and we serve Oregon, Nevada, Arizona, and Texas.

Our Location

Riskguard Insurance Solutions

422 Presidio Ave.
San Francisco, CA 94115
Main office: 415-202-6869
Fax: 415-447-4181

Our Providers


Thank you to Christine who went above & beyond to lend a helping hand by providing us with quotes for our food truck business (which is a fairly new category to cover in the insurance world, I'm told). She was super patient with all of our questions, was prompt in communication, and is an all-around wonderful gal! Aside from our small business, I trust her to take care of my personal assets too

Sophie F.
I've used the Irene Herman Insurance for a few of my insurance needs! They helped me find health insurance when I was down and out and had pre-existing conditions (before Obamacare came along), and we worked long and hard to find a policy that would work for me. Also, they helped me find a better deal for my home insurance, and they're there when I need help to look for better car insurance rates. They're constantly on the look out for me and let me know if I can ever find better rates with another company, so I know they're on my side. It's a small family business, and they're good, kind people. I'm happy to work with cool people like this.

Katie H.
For the past year, Irene Herman Insurance Services has helped me and my business with a variety of insurance needs. They have consistently provided excellent and prompt service. I discovered Irene Herman Insurance via a website (don't remember which one) to request quotes for w/c, general and professional liability insurance for my business. I was contacted right away by Geoff Herman. Geoff was a huge help in helping us obtain the insurance we needed for a contract with the City of LA at a reasonable price. This was no small feat - we knew of a similar business that was having a hard time getting the E & O insurance. (We recommended them to Geoff and he helped them out, too.) Geoff also helped us with changing our medical and dental insurance for our business. For our personal insurance needs, Geoff helped us obtain life insurance and Iris Htwe assisted us with renters insurance. They are always available to answer questions and they respond very quickly to my emails. We've relied on Irene Herman Insurance Services for a number of different insurance needs over the past year and it has put my mind at ease to have them on my team.

Linda R.
I am not the type to write reviews but Geoff's service has been so amazing during a recent emergency situation that I decided to take a minute and offer my praise. Geoff's service has been excellent from the beginning. Promptly returns phone calls, excellent pricing, excellent knowledge of the industry, calm during a crisis, and a nice guy as well. And when the crap hit the fan recently, he went the extra mile repeatedly

David A.