California Guardian

Insurance Svcs

All Things Insurance

We Search. We Find. You Benefit

We work with the Nation's Biggest Insurance Companies, Regional Networks, and Local Specialists

We operate in 45 States

Our ultimate goal is to get you the best coverage at the lowest possible price

Reach out to us before your insurance renews so we can shop your coverage and rates with everyone

Call William today 949.287.4902

Insurance Coverages



Your home is an appreciating asset and it's where you and your family live, so let's make sure it's properly protected against, fire, water, wind, hail, equipment breakdown, and other potential hazards.



You rely on your car every day, and we live in a litigious society, so let's make sure you have the coverage that fits your needs at the lowest possible price.

Business Insurance

Quite simply: We have the ability to insure every type of business.  Whatever your business is, we'll get you the best coverage at the lowest possible price, because we shop your rates with everyone.



We're your one stop insurance shop and our insurance products are very robust.

Just give us a call and we'll get you what you need ASAP.

Why We're Awesome for

Real Estate Agents

# 1:  We're Quick, We're Thorough, and We're Efficient.  

# 2:  You're busy, you're generally juggling a lot on a consistent basis, and you need to be focused on getting your deals closed.  We get that, which is why real estate agents from all over enjoy working with me and my company.

# 3:  We issue underwriter approved policies within an hour and all of our quotes have been approved by and underwriter before we send them out.

# 4:  As soon as your client is interested in a home, let us know and we'll send you a CLUE report that details any insurance claims that have been filed on that property in the last 5 years.  Why is that important?  It's important because most insurance companies won't issue a new policy for a home that has had a loss within the last 3-5 years and that's not something you want to find out when your'e trying to get your deal closed.  Fortunately, we have several Preferred Insurance Companies, offering great rates, who will write insurance with current claims for new purchases.

# 5:  As I mentioned, we're thorough, so when we issue a quote/policy, we've already detailed the specifics of the home, so your clients' policy is a comprehensive, rock solid, insurance product. 

# 6:  We look for Comprehensive Coverage and Lowest Costs, and we shop every quote/policy with all of our carriers.

# 7:  The majority of our referrals come from real estate agents, so I know what you need and I have a thorough knowledge of the entire real estate process.  I always make sure escrow and the lenders get exactly what they need as fast as possible so your deal is hiccup free.

# 8:  I make your job easier and I make your clients happy.


One Agency

Consistently shopping your rates and terms with a robust list of insurance companies.

What more could you ask for?

Why We're Awesome for

Mortgage Professionals

# 1:  We're Quick, We're Thorough, and We're Efficient.  

# 2:  We're excellent when you need us most.  If you ever need an EOI, or other insurance documents in a pinch, give us a call. 

# 3:  I used to be in the mortgage business, so I speak the language and I understand your process.

# 4:  We always make sure your EOI's include the language you need to get the file closed ASAP.  Full Replacement Cost, Reconstruction Cost Estimators, Vesting, Paid in Full, Mortgagee Clauses, etc.

# 5:  Escrow officers love us because we always have everything ready before they ask.

# 6:  We simplify the bridge between loan requirements and insurance coverage:  Hazard Insurance, Home Insurance, Landlord Insurance, HO6, Primary Residence, Investment Properties, etc.

# 7:  Condo's:  We're great at bridging the gap between HO6 policies and the Associations Master Policies.

# 8:  If we ever get a future request for a new mortgagee clause, we'll always reach out to you ASAP, because we go farther together.

Trusted Insurance Broker

William Ghanem

 There are a lot of Insurance Companies to choose from, so allows us to make it easy for you.

Home Insurance

Auto Insurance

Business Insurance

Umbrella Insurance

Life Insurance


Reliability When It Matters Most

We incorporate years of experience with each service we provide and we're always looking out for your best interests.  


We use insurance to protect your assets, your net worth, and your family.

When done correctly, insurance is a great tool for mitigating your exposure to potential losses.


Insurance Companies

At Your Fingertips

Local, Regional & National Coverage


Liberty Mutual



National General Premier



Kemper Preferred

CSE (Civil Service Employees)



Bristol West


American Modern

Kemper Specialty



Nationwide Private Client

Business Insurance

Life Insurance

The List Goes On...


Travelers Insurance


Safeco Insurance


 Nationwide Insurance


Progressive Insurance


Reach Out to Us Today
EOI Requests:

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