Protect what you’ve built.
Cover what comes next.
Kousa Insurance is your independent California agency for auto, home, life, and business coverage — with a local team that shops the market so you don’t have to.
One agency for everything you need to protect
Bundle your coverage under one trusted roof — and save time, money, and worry in the process.
Auto Insurance
Liability, collision, and comprehensive protection tailored to how you actually drive.
Learn moreHome & Renters Insurance
Homeowners, renters, and condo coverage built for California risks — including wildfire.
Learn moreLife Insurance
Term and permanent life policies that fit your budget and your family's future.
Learn moreBusiness & Commercial
General liability, commercial property, workers' comp, and BOP coverage for California businesses.
Learn moreAdvice you can trust, service that shows up
We’re a local, independent agency — which means our loyalty is to you, and our advice is built around your life, not a quota.
Independent, not captive
We work for you, not one insurer. That means we compare multiple A-rated carriers to find coverage that actually fits.
California through and through
From wildfire endorsements to state workers' comp rules, we know the coverage decisions unique to living and working here.
A real person, every time
No phone trees or chatbots on the important stuff. You get a dedicated agent who knows your name and your policy.
Claims advocacy
When something goes wrong, we're in your corner — guiding your claim and following up until it's resolved fairly.
Getting covered takes three steps
Tell us about you
Share a few details about what you're protecting and what matters most to you.
We shop the market
We compare carriers and tailor coverage and limits to your budget and your risks.
Choose with confidence
You get a clear recommendation in plain language — and a partner for the long haul.
Independent advice, backed by real accountability
We’re a licensed, independent California agency and a Truscott company — so our advice answers to you, not a single carrier, and there’s a real, local team standing behind every policy we place.
California licensed
CA License #0H51533
Independent & accountable
We answer to you, not a single carrier.
A Truscott company
Part of the Truscott group.
Local to Orange County
Proudly serving clients across California.
Frequently asked questions
Have a different question? Get in touch — we’re happy to help.
What does an independent insurance agency do?
As an independent agency, we aren't tied to a single insurer. We compare policies across multiple A-rated carriers and recommend the coverage that best fits your needs and budget — and we handle the paperwork for you.
How much does it cost to get a quote?
Nothing. Quotes and coverage reviews are always free and come with no obligation. You only pay for a policy if you choose to move forward.
Which areas do you serve?
We're a California-based agency and work with individuals, families, and businesses throughout the state. Reach out and we'll let you know how we can help.
Can I bundle multiple policies together?
Yes — and it's one of the easiest ways to save. We can coordinate your auto, home, life, and business coverage under one agency, often unlocking multi-policy discounts while keeping everything in one place.
How do I file or get help with a claim?
Call us and we'll walk you through the claims process and advocate on your behalf with the carrier. Being there at claim time is one of the biggest reasons clients choose a local agency.
Ready for coverage that fits your life?
Get a free, no-obligation quote today, or call us and talk to a real California agent.