We Specialize in Short-Term Rental Coverage
A standard homeowners policy usually won't cover a property you rent out short-term. We help STR hosts find coverage built for that risk. Learn more about STR coverage →
Licensed Insurance Agent — California
Protecting What Matters to
Protecting What Matters to
California Families.
Aaron Rains Agency delivers personalized auto, home, life, and business coverage to California families — with a licensed agent who actually answers the phone.
Free, no-obligation quotes
Wildfire-aware coverage guidance for California homeowners
Licensed California agent — call or text anytime
Get your free quote
Tell us a bit about what you need — we'll follow up fast.
Aaron Rains
Licensed Agent — California · License #4525210
Why Aaron Rains Agency
A Licensed Agent Who Actually Answers
Not a call center — an agency that knows California, your risks, and your name.
🔥
California Wildfire Know-How
We understand the wildfire risk that comes with living in California, and help you understand coverage built for it.
🤝
One Agent, One Relationship
You work directly with Aaron — not a rotating call center or a different rep every time you reach out.
⚡
Personalized Quotes, Fast Follow-Up
Tell us what you need insured and we'll put together options built around your actual situation — quickly.
📍
Licensed Throughout California
A real, licensed insurance professional — not an app or a chatbot — ready to serve clients across the state.
California-Specific Coverage
Risks Every California Homeowner Should Plan For
Standard policies don't always account for California's unique risks. We help make sure yours does.
🔥
Wildfire Protection
Many parts of California face real wildfire exposure. We help you understand your coverage and close gaps before they matter.
🌎
Earthquake Coverage
Standard home insurance policies exclude earthquake damage by default. We can walk you through your options for adding this protection.
🏡
Rural & Foothill Properties
Homes on acreage, with wells, septic systems, or outbuildings often need coverage a standard policy doesn't include. We help sort out what applies to you.
Our Coverage
Insurance Built for Every Part of Your Life
Auto, home, life, and business coverage — tailored to you.
🛎️
Own an Airbnb or VRBO?
Client Reviews
What California Families Say
Real feedback from real clients — coming soon.
Ready for a Policy That Actually Fits?
Get a free quote from a licensed California agent — no pressure, no jargon.