Broadwater Insurance Agency

Broadwater Insurance Agency Broadwater Insurance Agency in Garden Grove, California, offers a wide variety of auto, home, and commercial building insurance options to fit your needs.

We have been in business since 1972, and our knowledgeable agents are fully dedicated to providing you with the highest level of service.

For many California homeowners, the FAIR Plan was designed as a temporary safety net, not a permanent solution for compr...
09/09/2026

For many California homeowners, the FAIR Plan was designed as a temporary safety net, not a permanent solution for comprehensive protection.

While it provides essential coverage when options are limited, transitioning back to the standard market often unlocks more robust policy features and specialized service. Since 1949, Broadwater Insurance Agency has navigated the complexities of the California insurance landscape. Our 77-year legacy as an independent agency allows us to shop the private market through top-tier carriers like Mercury and Travelers, finding tailored solutions that fit your unique needs.

We don't just provide a policy; we provide a partnership. Our team conducts personalized risk assessments to determine when you are eligible for better coverage options outside of state-backed plans, ensuring your most valuable assets are protected with clarity and confidence.

🏠 Let’s explore your options and see if it's time to move your coverage back to the standard market. Request your review today.

Your work truck is more than transportation: it is part of how your business gets the job done.California contractors fa...
09/08/2026

Your work truck is more than transportation: it is part of how your business gets the job done.

California contractors face daily mileage, heavier wear, jobsite hazards, and greater exposure than a personal vehicle. A properly structured commercial auto policy should be reviewed for:

• Adequate liability limits
• Comprehensive and collision coverage
• Protection for permanently attached equipment and utility components
• Uninsured and underinsured motorist coverage

One important distinction: tools and equipment carried in the cab or truck bed are generally not covered by the commercial auto policy. That protection typically requires inland marine or tools-and-equipment coverage.

For 77 years, Broadwater Insurance Agency has helped contractors identify coverage gaps and build practical protection through our independent, multi-carrier approach. We understand that the right plan protects both the vehicle and the work it supports.

🔧 Let’s review your work truck coverage and make sure it fits the way your business operates.

Owning a condo in California is part of the dream, but finding insurance shouldn't be a nightmare. The "California Condo...
09/08/2026

Owning a condo in California is part of the dream, but finding insurance shouldn't be a nightmare.

The "California Condo Gap" is real. As many traditional carriers scale back their coverage across the state, homeowners are often left with fewer options and increasing uncertainty. This is where experience makes the difference.

At Broadwater Insurance Agency, we specialize in navigating these complex market shifts. With 77 years of experience dating back to 1949 and our status as an independent agency, we aren't tied to just one provider. We shop the market: leveraging relationships with top-tier carriers: to find the specialized protection your home deserves. From master policies to individual walls-in coverage, we provide the clarity you need in a changing landscape.

🛡️ Let’s review your current policy and bridge the gap together. Request your review at broadwaterthillins.com.

🌤️ IS THE CALIFORNIA INSURANCE MARKET FINALLY COOLING?We’re seeing some positive shifts! With major national carriers sh...
09/05/2026

🌤️ IS THE CALIFORNIA INSURANCE MARKET FINALLY COOLING?

We’re seeing some positive shifts! With major national carriers showing renewed interest in the California market, there are fresh opportunities to find better rates and more comprehensive coverage than we’ve seen in the last few years.

What does this mean for you? It means it’s the perfect time to shop.

Because Broadwater Insurance Agency is independent, we aren't tied to just one company. We’re already looking into these returning options for our clients to see who can move from surplus lines back to traditional, often more affordable policies.

Experience matters when the market moves. We’ve been guiding California families and businesses through these cycles for 77 years: we've been here since 1949.

Curious if you’re eligible for a better plan? Send us a message for a risk assessment.

Operating as a solo contractor in California? The rules for workers’ comp are changing this year.As of 2026, the landsca...
09/04/2026

Operating as a solo contractor in California? The rules for workers’ comp are changing this year.

As of 2026, the landscape for workers’ compensation is shifting. Many licensed contractors who previously filed exemptions are now required to carry coverage: even if they have zero employees.

This transition is about more than just compliance; it's about safeguarding your professional license and ensuring your business remains eligible for bids. We understand that for a solo operation, managing overhead is a priority. That’s why we focus on finding cost-effective solutions that meet state requirements while protecting your bottom line.

Whether you're in a high-risk trade or general contracting, the ramp-up in enforcement means now is the time to review your status. We shop the market with our top-tier partners to find the best fit for your unique business needs.

🤝 Let’s review your options.



The California insurance landscape is finally showing signs of a significant shift.For many homeowners and business owne...
09/03/2026

The California insurance landscape is finally showing signs of a significant shift.

For many homeowners and business owners, the FAIR Plan has been the only viable path for far too long. Today, we are beginning to witness the "Great Re-entry," as major national carriers gradually expand their appetite and return to the standard market. This transition represents a vital opportunity for more comprehensive protection and competitive pricing.

At Broadwater Insurance Agency, we have navigated these complex market cycles for 77 years. Since 1949, our role as an independent agency has been to advocate for our clients by shopping the entire market. We aren't tied to a single provider, which means we can pivot as the market opens up to find the best fit for your unique needs.

If you are currently on a FAIR Plan policy, now is the time to see if a standard market solution is available for you.

🛡️ Let’s explore your options and request your coverage review today.



🛡️ THE "SAFETY NET" YOU DIDN'T KNOW YOU NEEDED: Personal Umbrella InsuranceIn a litigious state like California, a singl...
09/02/2026

🛡️ THE "SAFETY NET" YOU DIDN'T KNOW YOU NEEDED: Personal Umbrella Insurance

In a litigious state like California, a single serious auto accident or an incident on your property can quickly exceed the liability limits of your standard home or auto policy.

That’s where a Personal Umbrella policy comes in. It provides an extra layer of protection (often starting at $1 million) that kicks in when your primary insurance is exhausted. It’s one of the most cost-effective ways to protect your hard-earned assets and your family’s future.

At Broadwater Insurance Agency, we don’t just sell policies; we assess risk. With 77 years of history in this community, we’ve seen how vital this extra layer can be.

Protect what you’ve spent a lifetime building. Let’s talk about adding an umbrella to your portfolio.

Finding a silver lining in the California insurance market isn't always easy, but for condo owners and renters, there is...
09/01/2026

Finding a silver lining in the California insurance market isn't always easy, but for condo owners and renters, there is good news on the horizon.

While homeowners rates have been rising across the state, some carriers are actually filing for rate decreases specifically in the condo and renter space. This shift offers a rare opportunity for those living in apartments or condos to secure comprehensive protection at a more competitive price point.

At Broadwater Insurance Agency, we’ve been navigating the California market since 1949. With 77 years of experience, we understand the local landscape better than anyone. As an independent agency, we aren't tied to a single carrier. We shop the market across our network: including names like Travelers, Mercury, Foremost, and Honeycomb: to find the specific coverage that fits your lifestyle and your budget.

Whether you're a first-time renter or a long-time condo owner, now is the perfect time to ensure your policy reflects the best available rates.

🏠 Let's review your coverage and find your silver lining. Request your review at broadwaterthillins.com.



The California auto insurance market is changing faster than a morning commute on the 405. Navigating rising rates and l...
08/31/2026

The California auto insurance market is changing faster than a morning commute on the 405.

Navigating rising rates and limited options can feel like driving through a thick fog. That’s where the power of an independent agency makes the difference. Since 1949, Broadwater Insurance Agency has guided drivers through every shift in the industry landscape. With 77 years of experience, we provide the clarity you need to move forward with confidence.

Because we are an independent agency, we aren’t tied to a single carrier. We shop the market with trusted partners like Travelers and Mercury to find the best coverage at the most competitive price for your unique situation. We don’t just sell policies; we advocate for your protection.

🛡️ Let’s review your current coverage and find the best value for your needs. Request your review at broadwaterthillins.com.

Did you know bundling your home and auto insurance in California could save you up to 22%?With new discounts rolling out...
08/29/2026

Did you know bundling your home and auto insurance in California could save you up to 22%?

With new discounts rolling out across the state, there’s never been a better time to simplify your coverage. At Broadwater Insurance Agency, we don’t just work for one company: we’re an independent agency. This means we shop the market across multiple carriers like Travelers, Mercury, and Foremost to find the best bundling rates tailored specifically for you.

Why settle for one-size-fits-all when you can have a personalized risk assessment and year-round advocacy? Whether you’re a first-time homebuyer or managing a property portfolio, we find the paths to savings that others might miss.

It’s about more than just a lower premium; it’s about the peace of mind that comes with expert partnership and clear protection.

🤝 Let's explore your savings. Request your review today!

Address

9421 Chapman Avenue
Garden Grove, CA
92841

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+17146369092

Website

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