How casa works, from your address to your policy.
One form, one search, and a licensed person who checks it. Here is each step.
What to have ready
You do not need any of it to begin. On most questions you can say you are not sure.
The property address.
Year built and rough square footage.
The roof: its age and material.
Updates to plumbing, electrical, or heating, and any claims in the last few years.
Your current declarations page, if you have one.
The form takes about 3 minutes
The questions are about the house, not about you. No account, no password. We ask for your name and how to reach you at the very end, and nobody buys your contact details while you fill it out.
The search
It starts with the standard insurers, the big names you already know. If one of them will take your home, that is usually the best answer: their prices tend to be lower, and California's insurance guaranty fund backs their customers.
If they say no, the search moves to the specialty insurers built for homes the standard market turns down. They work only through licensed agents, which is why you cannot reach them from a comparison site. We reach them for you, and we handle California's rules for you.
Your quotes come back within 24 hours
As soon as you finish, the screen shows the exact time your quotes are due: within 24 hours, usually much sooner, seven days a week. A licensed agent checks every search before your quotes go out, and we email you a private link the moment they are ready. Nothing is in place, nothing is charged, and no one calls you in the meantime.
Choosing one, and how you pay
Each quote shows what is covered, the deductible, and the yearly price, itemized, with a plain label saying it is an estimate until the insurer finalizes it. Want a different deductible or limit? Ask on the quote page and a licensed agent re-presents your numbers. When you choose one, we ask how you would like to pay. casa never holds your money either way.
Through your mortgage payment: your servicer pays the insurer from your escrow account, so there is nothing to pay today.
From your bank account: your insurer collects directly. We pass your details to the insurer to set that up, and nothing else.
After you choose
A licensed agent finalizes the policy with the insurer, and coverage can start as soon as the next business day. You get your policy documents and, if you have a mortgage, the proof of insurance your lender needs. After that, questions and changes go to a person by email or phone.
Your information
We use your answers to search for quotes, to reach you about this request, and to meet legal and insurance requirements. We do not sell or rent it, and the questionnaire and quote pages carry no third-party trackers. The detail is in our insurance privacy notice at /legal/insurance-privacy.
Questions people ask us
Do I need to create an account?
What if I do not know the answer to a question?
Will I have to talk to anyone?
Start with your address.
About 3 minutes, no account, and your quotes come back within 24 hours, usually much sooner.