- General Liability
- Workers' Compensation
- Commercial Auto
- +2
Insurance agencies · California
Insurance Agencies in Los Altos, CA
Local agencies in Los Altos for home, auto, life and business insurance. Compare them and call one directly.
- Motorcycle
- Boat
- General Liability
- +7
No reviews yetGoogle reviews for Barbara Madden (opens Google Maps)
No agency on this page matches that name.
Local insight
Insuring a home, car or business in Los Altos
Los Altos has 30,698 residents in 10,840 households. We list 3 insurance agencies in Los Altos. Here is what the local numbers say about the cover people here need.
Los Altos at a glance
- 3insurance agencies listed
- 18.3%of households rentRenters insurance
- $2,000,001median home valueHome insurance
- 1964median year homes were builtRebuild cost calculator
- 3.1%of households have no carAuto insurance
Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.
Natural hazard risk in Santa Clara County
FEMA rates the overall natural hazard risk in Santa Clara County, where most Los Altos agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:
- Earthquake
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance - Inland flooding
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California - Coastal flooding
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in California
Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.
Car insurance rules in California
California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.
These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.
Auto insurance in CaliforniaHow much liability cover do you need?
Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.
Where Los Altos agencies are
Los Altos agencies we list sit in 2 ZIP codes, mostly in Santa Clara County.
- 940222 agencies
- 940241 agency
Questions
Insurance agencies in Los Altos
How do I find an insurance agency in Los Altos?
Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.
Do I need flood insurance in Los Altos?
FEMA's National Risk Index rates inland flooding risk in Santa Clara County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Do I need renters insurance in Los Altos?
18.3% of households in Los Altos rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.
How do I choose an agency?
Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.
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