Personal Lines
Personal Insurance Coverage
Home, auto, life, renters, and more — all from one independent agency that shops 50+ carriers to find the right coverage for you.
One Agency. Every Personal Coverage You Need.
As an independent agency, AJS Insurance Services works for you — not for any single insurance company. We compare rates and coverage from 50+ carriers to find the best personal insurance solution for your home, vehicles, family, and lifestyle. One call handles it all.
What We Cover
Personal Lines Coverage
Homeowners Insurance
Protect your home, personal property, and liability with coverage tailored to your property and location. We shop 50+ carriers to find the right fit at the right price.
- Dwelling & structure coverage
- Personal property protection
- Liability & medical payments
- Loss of use / additional living expenses
- Earthquake & flood endorsements available
Auto Insurance
From a single vehicle to a multi-car household, we find auto coverage that meets California requirements and protects you on the road.
- Liability, collision & comprehensive
- Uninsured / underinsured motorist
- Rental reimbursement
- Roadside assistance
- Multi-vehicle discounts available
Life & Health Insurance
Protect your family's financial future with the right life and health coverage. We help you compare term, whole life, and health plan options across multiple carriers.
- Term & whole life insurance
- Universal life policies
- Individual & family health plans
- Medicare supplement plans
- Disability income protection
Renters Insurance
Your landlord's policy doesn't cover your belongings. Renters insurance is affordable protection for everything you own — and your personal liability.
- Personal property coverage
- Liability protection
- Additional living expenses
- Theft & vandalism coverage
- Typically under $20/month
Boat & Watercraft
Whether you own a fishing boat, sailboat, or personal watercraft, we can find coverage that protects your investment on and off the water.
- Hull & machinery coverage
- Liability protection
- Uninsured boater coverage
- Towing & assistance
- Agreed value or actual cash value
Specialty & Recreational
Motorcycles, RVs, ATVs, drones, and more — if you own it and value it, we can insure it. Ask us about specialty lines coverage for any unique asset.
- Motorcycle insurance
- RV & motorhome coverage
- ATV & off-road vehicles
- Drone & UAV insurance
- Collector & classic vehicles
Why Choose Us
The Independent Advantage
A captive agent can only offer you one company's products. As an independent agency, we work for you — comparing dozens of carriers to find the best combination of price, coverage, and service.
- Access to 50+ insurance carriers — we shop the market for you
- Over 20 years of experience placing personal lines in California
- One advisor for all your personal insurance needs
- No pressure — we find the right coverage, not just the easiest sale
- Fast, responsive service when you need to file a claim
- Serving Culver City, Los Angeles, Santa Monica & surrounding areas
Get a Free Personal Insurance Quote
Tell us what you need and we'll shop the market for you. No obligation, no pressure — just honest advice from an experienced local agent.
Mon–Fri 9:00 AM – 5:00 PM · Culver City, CA
Also Looking For Business Coverage?
We handle commercial insurance too — from small business to commercial trucking.