Secure Your Home
Most homeowners discover coverage gaps too late. We structure coverage to protect what others miss, so when a claim happens, your policy performs exactly as it should when it matters most.
The Opportunity
With the right policy in place, you gain control over unexpected costs, avoid costly surprises, and protect your home with greater financial stability and clarity for the long term.
Policies are tailored to reflect your property, risks, and priorities, giving you more accurate protection where it matters most.
Coverage structured around your home and real needs
With proper structuring, your policy is ready to respond effectively, reducing stress and delays during important moments.
Be fully prepared when a claim situation arises
Consistent expert support ensures your coverage evolves with your needs, keeping your protection aligned year after year.
Guidance that helps you make better decisions over time
What Makes Us Stand Out
Every home carries unique exposures that require careful evaluation. Your coverage is structured around your property, risk profile, and long-term needs to deliver protection that performs when real situations arise.
Our Solutions
Your home, belongings, liability, and additional living expenses are covered within a structured policy designed to protect every part of your property and financial exposure.
Protect your house from damage caused by fire, weather, theft, and other common risks that can impact your property.
Cover your furniture, electronics, and valuables against loss, damage, or theft whether at home or temporarily elsewhere.
Stay protected if someone is injured on your property, with coverage that helps handle legal costs and related expenses.
Stay covered for housing and daily expenses if your home becomes unlivable due to a covered event.
Key Impact
Structured policies deliver consistent results, helping homeowners reduce uncovered risks, improve claim outcomes, and strengthen financial protection across their home and property.
Home insurance claims are for property damage and loss
Homes file an insurance claim each year on average
Average cost per homeowners insurance claim
Claims caused by wind and hail damage alone
Insurance costs rising faster than inflation in recent years
Our Process
A streamlined process moves you from initial review to final coverage with precision, keeping everything organized and efficient so your protection is put in place without delays.
Review your current coverage, property details, and key areas needing attention.
Identify exposures tied to your home, location, and overall coverage needs.
Build a policy tailored to your property, assets, and financial exposure.
Put your coverage in place with everything aligned and ready.
Client Testimonials
Our clients highlight the value of our insurance solutions, showing how we deliver dependable protection and service across many personal and business needs.
Share your experience with Panorama. Your story helps others see the value of our service and encourages them to trust us with their needs.
Consistent and Dependable
Tim and his staff are my auto insurance broker and have been for over 30 years. We have two sons and both were covered in our policy up until recently when my oldest moved to Italy. We have had quite a few claims having hit a deer and totaled the Sedona, my youngest drove off hillside with the Jeep taking out neighbors deck support posts and hitting house, also a fender bender with his 4 Runner. Tim has always been honest, straight forward, and timely with all our needs. We have had Mercury this entire time, he has kept us updated with any discounts(teacher) and changes that we should be aware off. He is and has been a great communicator, efficient, and friendly, a good man. I highly recommend him.
JV
Joe Vitti
Long-Term Client
Resolving Complex Issues
This insurance agency is unique in that they go beyond the normal expectations. They have that small company endeavor but with large company results. I was very pleased with the way they handled my problem.
I am a landlord and as such needed help with a tenant and their dog which is classified as a companion dog used for emotional distress, however our signed contract forbids animals. With the help of Panorama Insurance Agency I was able to resolve the issue to the satisfaction of both the tenants and myself. They did the research for me! I highly recommend this agency.
RH
Robert Hernandez
Property Owner
Responsive and Courteous
I had an excellent experience with Tim Wong and Panorama Insurance. They helped me find homeowner's insurance coverage for a new home in the hills of L.A. that's a wildfire zone. None of the carriers wanted to write the business, so Tim secured the coverage through the CA plan and also a Difference in Conditions policy to ensure I had adequate liability coverage. He and his team adjusted coverages to find savings for me as well. They were responsive and courteous at all times, and made the home purchase process easier and more enjoyable. Highly recommended!
AL
Andrew Lloyd
Grateful Homeowner
Dependable Insurance Agent
Brent @ Panorama is the most available and dependable insurance agent I've ever had. I use Brent for my family account, and also take care of all the communication for my parents account as well - even though we're the same kin, our two different households have totally different requirements in terms of insurance. Brent is always willing to dive into specifics about policies and present alternatives when our situation changes or when a better plan is available. It's great to know that both the insurances for my home and car are just taken care of meddling on my part.
RJ
Roshan J
Loyal Returning Client
Went Above Expectations
I recently had the pleasure of working with Panorama Insurance Agency, specifically Brent Garriepy, to insure my new home and switch our auto insurance policy. Brent went above expectations with explaining the policies, what they cover and what they do not cover. We quickly found a policy that worked well for our new investment and it was very competitively priced. The choice was clear for my family. I highly recommend Panorama Insurance Agency. Give them a call and see what they can do for your family!
PS
Paul Schwappach
Home and Auto Client
Saved Us over a Hundred Dollars a Month!
Brent saved us over a hundred dollars a MONTH! across all our policies (auto/home/earthquake/umbrella) and even got us better coverages across the board. Wished I’d contacted Brent earlier in my insurance quote process. I did the internet search and got spammed with useless quotes as well as talked to half a dozen other highly rated agents. None could even come close to the level of service that Brent provided. Stop your internet search now and call Brent.
LT
Leland Treebs
Value-Seeking Client
Highly Recommended
My relation ship with Panorama Insurance Agency started over 25 years ago. Initially it was for vehicle insurance but has grown to include homeowners insurance. This has continued through moves from five homes and two states. As my children reach the age of driving, they will join the next generation of Panorama Insurance Agency family customers. For the few instances where the services were required, PIAI was there to help resolve the claim and get the repairs completed quickly. I would highly recommend their services.
KS
Kent Sakamoto
Loyal Long-Term Client
10/10 in Customer Service
Danna Alfi is wonderful. We all typically contact an insurance company because something has gone wrong. Danna is a compassionate person who will do her best to help you and inform you when you need it. I think we can all agree that 2020 has been crazy and stressful. My car was stolen and Danna was so helpful in finding out the exact terms of my coverage promptly and let me know exactly what the coverage options would be on another car I wanted to buy. The day I was slated to purchase the car the sale fell through due to a lack of title on hand. Immediately I contacted Danna and she cancelled it. A few days later I found the perfect car and before I drove off the lot I was covered. No hassle for making her do the extra work just a congrats on the new car and an open dialogue because she will help you however she can. 10/10 in customer service.
MM
Melissa McGillivray
Auto Coverage Client
Pleasure to Work With
I worked with Danna Alfi who has helped me on more than one occasion to help me get the coverage I need in the most cost effective way. She is a pleasure to work with. Even during times I expressed frustration while shopping for the best service, she remained professional, patient, and understanding never pushing her products, but explaining the benefits and outlining my options so I can be an informed consumer. A pleasure to work with!
EB
Eric Bertolli
Happy Client
Amazing Company
Panorama is an amazing company. I've had them for years!!!! One of the only company's that has always had my back. Really great customer service and professionalism whenever I'm speaking with someone and they ALWAYS pick up the phone. That's quality.
NP
Nat Pen
Longtime Client
Reach Out
Get your current policy reviewed, identify what may be missing, and put the right coverage in place to better protect your home.
Use this form to submit service inquiries directly.
Frequently Asked Questions
Explore key details about your coverage, from what is protected to how claims are handled, so you can better understand your policy and options.
Homeowners insurance usually covers your home structure, personal belongings, liability if someone is injured on your property, and additional living expenses if your home becomes unlivable after a covered event.
Many homeowners are underinsured without realizing it. A proper review looks at your home value, rebuilding costs, belongings, and liability exposure to determine if your coverage is sufficient.
Common gaps include insufficient dwelling limits, limited coverage for valuables, exclusions for certain damages, and inadequate liability protection that may not fully cover real-world risks.
When a covered event occurs, a claim is filed to assess damage, verify coverage, and determine payout. Properly structured policies help ensure smoother processing and fewer delays.
Not all damage is covered. Events like floods or earthquakes often require separate policies, while standard coverage typically includes fire, theft, and certain weather-related incidents.
Factors include your home’s location, size, construction type, coverage limits, deductible, and risk exposure. Adjusting these elements can impact both cost and level of protection.
Yes. Coverage should be reviewed and updated when you renovate, purchase valuables, or experience life changes to keep protection aligned with your current needs.
The process can be completed quickly once your home details and coverage needs are reviewed, allowing your policy to be structured and activated without unnecessary delays.
Get Covered Today
Review your current coverage, identify what may be missing, and put the right protection in place to better safeguard your home and financial exposure.
From home and auto to business and more, we design insurance strategies that protect your assets, income, and future plans with one coordinated approach.
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