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Unity One Insurance, Independent insurance agency in san clemente, CA
Since 1999 · License #OC79860
5.0(16)Unity One Insurance is a family-owned agency in Orange County, California. The agency says it provides many types of insurance under one roof and focuses on finding the best coverage at the lowest price with quality customer service.
Most quotes back some testimonial content says quotes can be provided within hours and sometimes minutes
Contact info
- 949-450-1822
- info@unity1.com
- san clemente, CA
- orangecountyinsurancebroker.com
Location & business hours
What do you need covered?
Hi, I'm Chris, owner of Unity One Insurance. A licensed agent on my team reviews every quote — usually some testimonial content says quotes can be provided within hours and sometimes minutes. Meet Chris →
Quick answer
Unity One Insurance at a glance
Unity One Insurance is an independent insurance agency in san clemente, CA, founded in 1999. It writes coverage for auto, home insurance/rental, high value home and more. Customers rate it 5.0 out of 5 across 16 reviews.
- Founded
- 1999 · 27 years in business
- Agency type
- Independent — not tied to one insurance company
- Coverage
- 30 lines — auto, home insurance/rental, high value home, wildfire, california fire plan, …
- License
- #OC79860
- Serving
- California, Orange County and San Clemente
- Rating
- 5.0 out of 5 · 16 reviews
Getting a quote
How to get a quote from Unity One Insurance
How it works
- 1Call 949-450-1822
- 2Email info@unity1.com
- 3Use the quote/contact form at https://orangecountyinsurancebroker.com/contact-us/
What to have ready
- Name
- Phone
- Address
- City
- State
No Social Security number needed to start.
Coverage we offer
Insurance coverage in san clemente, CA
Personal
- AutoThe agency says it recommends the best policies to meet client needs at the most affordable price.
- Home Insurance/RentalThe agency says this is one of its specialties and that it helps clients find affordable homeowners insurance with the right coverage.
- High Value Home
- WildfireThe site says the agency is expert in California high brush or wildfire areas.
- California Fire PlanThe site says these plans may offer a typical home policy or may cover fire, smoke, wind, hail, lightning, vandalism, riot, internal explosion, aircraft, and vehicles. If not a typical home policy, the site says they should be combined with DIC coverage.
- DIC Insurance Policy: Difference In Conditions Insurance Policy: Wrap AroundThe site says DIC fills gaps a California Fire Plan does not cover and can include water damage, liability, theft and burglary, medical payments to others, weight of ice, snow and sleet, falling objects, and pipe freezes.
- EarthquakeThe site says earthquake insurance can help if an earthquake damages your home or property.
- Private FloodThe site says it specializes in flood insurance and has multiple private flood insurance markets that can save clients hundreds or thousands of dollars.
- UmbrellaThe site says umbrella insurance provides extra protection for assets and the insured when the liability limits of other policies are not enough.
- Medicare SupplementThe site says these policies help cover health care expenses that Medicare does not cover.
- HealthThe site says it specializes in both individual and group health insurance.
- LifeThe site says life insurance helps family members with living expenses after the insured passes.
Business
- CommercialThe agency says it has access to many different kinds of business insurance companies and offers free analysis of business insurance.
- Directors & Officers LiabilityThe site says D&O insurance protects company leaders and their personal assets if they are sued for wrongful acts while managing the company.
- Commercial PropertyThe site says this coverage can help with burglary, theft, water and freezing damage, and fire losses affecting business property.
- General LiabilityThe site says this is usually the coverage needed for customer injury and third-party property damage.
- Workers Comp
- Business Auto
- Commercial Auto
- Contractors
- Employment Practices Liability
- Errors & Omissions
- Professional Liability
- Inland Marine
- Crime
- Cyber Liability
- Commercial Flood
- Commercial Umbrella
- Excess
- BOP – Business Owner PolicyThe site says a BOP combines commercial property coverage and general liability coverage in one policy and is usually more affordable than buying them separately.
- Businesses we insure
- Small businesses, Non-profits, Private companies, Public companies
Already a customer?
Unity One Insurance customer service
- Change a policy
- 949-450-1822
- Coverage review
- Unity One Insurance says it will review any of your policies for free and provide a complimentary insurance coverage checkup at renewal.
Reviews
Unity One Insurance reviews
Customers mention responsive and helpful service, knowledgeable agents and brokers, affordable rates and good value, help finding coverage for difficult or high-fire-risk homes, strong support with flood, homeowners, auto, commercial, and health insurance and local, personal service and quick communication.
Our team
Unity One Insurance agents
FAQ
Unity One Insurance FAQ
Will my rate go up if I switch?
No. Getting a quote doesn't change your current policy or rate. Unity One Insurance shows you the options side by side. You only switch if a new policy saves you money or covers you better.
Do you charge a fee?
There is no charge to get a quote from Unity One Insurance. Any fee on a specific policy is shown to you before you buy.
Is Unity One Insurance independent?
Yes. Unity One Insurance is an independent insurance agency, so it isn't tied to one company.
How do I get a quote?
Use the chat on this page, call 949-450-1822 or visit the office at 629 Camino De los mares ste.202b, san clemente, CA 92673. It takes about 2 minutes and you don't need your Social Security number. Most quotes come back some testimonial content says quotes can be provided within hours and sometimes minutes.
How do I file a claim?
Call your insurance company's claims line — the numbers are listed on this page under "Already a customer?". Unity One Insurance can help you follow up at 949-450-1822.
Can older homes be insured? Are they more pricey?
Yes. Older homes can be insured. They can be more pricey, but not necessarily; the site says to replace the roof, redo pipes, and keep the home up to date on code.
Do standard homeowners insurance policies cover fire insurance?
A home insurance policy does cover damages caused by a wildfire, but only to the policy limits. The site says wildfire could be excluded on some policies, so policyholders should double-check.
What about indirect damages, like soot, ash, and smoke?
These are usually covered as well. Intentional damage by the insured, like arson, is not covered.
Can you be denied homeowners insurance?
Yes. The site says carriers can deny homeowners insurance if the property is in a wildfire and high brush zone area, and says Unity One Insurance can insure homes in fire areas.
How do they determine whether your property is in a high brush and wildfire area?
The site says Insurance Services Office gives homes a rating based on location, and companies use those ratings for approval or denial. A home in a Public Protection Class of 9 or 10, or with a Fireline score above 3, is usually uninsurable to most carriers.
I have a mortgage on my house, what happens if my house burns down in a fire?
Monthly mortgage bills will still be due. The site says Loss of Use coverage can help pay additional living expenses while the home is rebuilt.
Who we are
About Unity One Insurance
Recognition
- Community
- The agency says part of its mission is to give back to the community., The community service page says clients are provided competitive pricing while also giving back to the local community organization of their choice., The agency says it partners with charity sponsors, schools, clients, ambassadors, and the City to change the neighborhood one policy at a time.
- Legal name
- Unity One Insurance Services Inc.
Ratings across sites
| 5.0(16) |