How Casa works, from your address to your policy.
One form, one search, and a licensed agent who finalizes your policy with the insurer. Here is each step.
The form takes about 3 minutes
The questions are about the house, not about you. No account, no password.
What to have ready
- 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 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. We reach them for you, and we handle California's rules for you.
Your quotes come back in under a minute to 24 hours
The search runs the moment you finish the form, and your quotes usually show right on your screen. We also email you a link, so you can come back to your numbers any time. Nothing is in place and nothing is charged.
If the search comes back empty, a licensed agent takes over and looks at your home personally. You hear back within 24 hours, and you're not left on your own.
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. 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 reviews your application and 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.
Your information
We use your answers to search for quotes, to reach you about this request, and to meet legal and insurance requirements. We may also email you about a quote request you started but did not submit, to help you finish it, and send you emails about Casa and our services, each with an unsubscribe link. We do not sell or rent your information. The quote pages carry no third-party trackers. On the questionnaire, session recording runs only if you turn it on, and it hides everything you type or choose. Every use is listed in our Privacy Policy. Our insurance privacy notice at /legal/insurance-privacy covers your insurance information.
Questions people ask us
Do I need to create an account?
No. Your quotes arrive by email at a private link you can return to.
What if I do not know the answer to a question?
Give your best estimate. For the few things most people can't tell, like what the pipes are made of, you can pick Not sure.
Will I have to talk to anyone?
Only if you want to. A licensed agent may call or email you about your request.