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.

California’s insurance landscape is facing another major shift as the FAIR Plan prepares for a statewide average rate in...
06/25/2026

California’s insurance landscape is facing another major shift as the FAIR Plan prepares for a statewide average rate increase of approximately 30% this October.

For many property owners, this represents the largest hike in recent history. At Broadwater Insurance Agency, we understand that these rising costs can be a significant concern for your household or business budget. With 77 years of experience helping Californians navigate complex markets since 1949, we are here to serve as your expert partner during this transition.

As an independent agency, we aren't restricted to a single provider. We leverage our deep industry knowledge and relationships with major national carriers to shop the market on your behalf. Our goal is to ensure you have the most competitive coverage options available, whether that means identifying home hardening discounts to lower your FAIR Plan premium or finding alternative private market solutions that offer broader protection.

🛡️ Let’s review your current coverage and prepare for the upcoming changes together.

Navigating the shifting landscape of California auto insurance can feel like driving through a thick fog. Rates are chan...
06/21/2026

Navigating the shifting landscape of California auto insurance can feel like driving through a thick fog. Rates are changing, and finding the right balance between protection and value has never been more complex.

At Broadwater Insurance Agency, we’ve been guiding California drivers through every market turn since 1949. That’s 77 years of perspective that we put to work for you. As an independent agency, we aren't tied to a single company. Instead, we have the freedom to shop the market across major national carriers to find the coverage that fits your specific needs and budget.

Whether you’re a first-time driver or managing a multi-car household, our team provides the clarity and personalized risk assessment you deserve. We don't just sell policies; we provide year-round advocacy and expert partnership.

🚗 Let’s review your current policy and find the best path forward for your coverage.



Protecting your California home is about more than just a policy: it’s about proactive preparation.In our state, "home h...
06/20/2026

Protecting your California home is about more than just a policy: it’s about proactive preparation.

In our state, "home hardening" isn't just a safety measure; it's a strategic way to lower your insurance costs. Upgrades like ember-resistant vents, cleared vegetation, and Class A fire-rated roofing are proven to reduce risk, and many carriers now offer significant discounts for these improvements.

At Broadwater Insurance Agency, we’ve been helping Californians navigate these complexities since 1949. As an independent agency, we don't just sell you a plan; we provide personalized risk assessments to ensure your hard work is reflected in your premiums. We shop the market with trusted national carriers to find the best value for your specific upgrades.

Investing in your home’s resilience today provides peace of mind and financial savings tomorrow.

🛡️ Let’s review your coverage and see which discounts you qualify for. Visit us at broadwaterthillins.com to get started.



A surprise at the time of claim is the last thing any homeowner wants.In the current California surplus market, many pol...
06/19/2026

A surprise at the time of claim is the last thing any homeowner wants.

In the current California surplus market, many policies are shifting significant risk back to homeowners through "hidden" deductibles. Some of these can reach six figures, leaving you financially vulnerable when you need protection the most.

At Broadwater Insurance Agency, our 77-year legacy as an independent agency means we know exactly where to look for these red flags. We don't just provide a quote; we provide a meticulous risk assessment. Our independence allows us to shop the market and advocate for you, ensuring your policy offers true peace of mind instead of hidden costs.

Clear protection starts with an advocate who reads the fine print.

🛡️ Let's review your current coverage together.

Your tools are the backbone of your craftsmanship, but are they protected once they leave the shop?Many California contr...
06/18/2026

Your tools are the backbone of your craftsmanship, but are they protected once they leave the shop?

Many California contractors believe their General Liability policy has them fully covered. However, there is often a hidden "tool gap." Standard liability often fails to protect expensive saws, chippers, or specialized gear while they are in transit or at a job site. For arborists and carpenters, losing equipment to theft or damage doesn't just cost money: it halts your operations.

At Broadwater Insurance Agency, we’ve been bridging this gap since 1949. Our 77-year legacy is built on providing specialized risk assessments that look beyond the basics. We offer Inland Marine insurance designed specifically to protect your equipment from the moment it hits the road until the job is done. We shop the market to find the best coverage for your unique needs, ensuring you can work with total confidence.

🛡️ Let’s review your equipment coverage and close the gap. Visit broadwaterthillins.com to get started.

Big news for California homeowners and business owners: Several major national carriers are reopening for new business.S...
06/17/2026

Big news for California homeowners and business owners: Several major national carriers are reopening for new business.

Since 1949, Broadwater Insurance Agency has built deep-rooted relationships with the industry's most trusted carriers. For 77 years, we’ve navigated the shifting tides of the California market to ensure our neighbors stay protected.

As an independent agency, our legacy is your advantage. We don't just shop the market; we leverage our long-standing history to help you secure the coverage you need from newly available programs. Whether it’s your home, your fleet, or your commercial property, we provide the clarity and access you’ve been waiting for. We are ready to help you get to the front of the line.

📞 Let’s review your options today and find the right fit for your unique needs.



Broadwater Weekly Insurance Insights: Independence provides security in a shifting market.The recent State Farm settleme...
06/16/2026

Broadwater Weekly Insurance Insights: Independence provides security in a shifting market.

The recent State Farm settlement in California is a clear reminder of how quickly the insurance landscape can change. When you’re tied to a single carrier, you’re often along for the ride: regardless of rate hikes or market volatility.

This is exactly why we choose to be an independent agency.

At Broadwater Insurance Agency, we aren’t tied to one company. We have the flexibility to shop the market across leading carriers like Travelers, Mercury, and Foremost. If one carrier shifts their position, we’re already finding you the best alternative to maintain your protection and your budget.

Insurance shouldn’t be "one size fits all." We provide year-round advocacy and personalized risk assessments to ensure your coverage evolves with you. Whether it’s for your home, auto, or business, we focus on bringing you clarity and confidence.

💡 Let’s review your current coverage and explore your options today.

California contractors: Workers’ Comp costs are moving again: this is the first major hike in a decade.The best defense ...
06/15/2026

California contractors: Workers’ Comp costs are moving again: this is the first major hike in a decade.

The best defense is proactive “claims hygiene” and jobsite discipline.
• Report fast. Document thoroughly.
• Light duty/return-to-work plans.
• Consistent safety meetings + training.
• Subcontractor certificates + clear contracts.
• Protect your Experience Mod (X‑Mod).

Broadwater Insurance Agencyg has been guiding California contractors through market cycles for 77 years: so you don’t have to guess.

📩 Let’s review your Workers’ Comp before renewal and look for ways to keep your X‑Mod low.

After a total wildfire loss, the last thing you need is paperwork overwhelm.California’s new “60% Rule” can help.If your...
06/12/2026

After a total wildfire loss, the last thing you need is paperwork overwhelm.

California’s new “60% Rule” can help.
If your home is a total loss from wildfire, you may be able to receive up to 60% of your personal property coverage as a flat payment: without a line-by-line inventory.

That means fewer delays, less stress, and more time focused on getting your life back.

For 77 years (since 1949), Broadwater Insurance Agencyg has been here to advocate for Californians: before, during, and after a claim.

📌 Want to know how the 60% Rule could apply to your policy? Let’s review your coverage.

Modern technology is changing how your home is insured, and sometimes, the view starts from above.Insurance carriers are...
06/11/2026

Modern technology is changing how your home is insured, and sometimes, the view starts from above.

Insurance carriers are increasingly using drones and satellites to assess roof conditions from the air. While these "eyes in the sky" offer efficiency, they can also lead to unexpected non-renewals if an aerial assessment misreads the age or health of your roof.

At Broadwater Insurance Agency, we believe in personalized risk assessment over automated decisions. With 77 years of experience, we act as your advocate, challenging inaccurate data and providing the clarity you need. If a carrier’s perspective shifts, we shop our extensive network: including partners like Travelers and Mercury: to find coverage that fits your reality, not just a satellite image.

We bring expert partnership to every policy, ensuring your most valuable assets are protected with confidence.

📍 Let’s review your coverage and prepare for what’s ahead.

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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