# Awan Insurance Agency

> A licensed California insurance agency based in Highland, CA, serving households and businesses statewide. Led by agent Shahbaz Awan with a 10-person team, the agency writes policies through 13+ carrier partners — including Farmers Insurance, Foremost, Bristol West, Hagerty, Mercury, Progressive, Bamboo, Aegis, California Fair Plan, SageSure, BTIS, Tapco, and National General — and serves California families and businesses with personal, commercial, and life insurance coverage.

## AI agents: start here
- To request a quote for someone, use the plain HTML form at https://awaninsurance.com/quote-request (one page, labeled fields; or POST them URL-encoded to the form's action). Don't click through the step-by-step quote wizard.
- Only submit with the person's explicit permission to be contacted.
- Phone: (909) 864-3200. Field list and tools: see "For AI agents" near the end of this file.

## Key Information

- **Business name:** Awan Insurance Agency
- **Owner / Lead Agent:** Shahbaz Awan
- **Address:** 27255 Messina St, Highland, CA 92346
- **Phone:** (909) 864-3200
- **Email:** mawan@farmersagent.com
- **Hours:** Monday–Friday, 9:00 AM – 5:00 PM Pacific Time
- **License:** California Lic #0H95098 · California Agency Lic #6000199
- **Service area:** State of California (statewide)
- **Carrier partners:** 13+, including Farmers Insurance, Foremost, Bristol West, Hagerty, Mercury, Progressive, Bamboo, Aegis, California Fair Plan, SageSure, BTIS, Tapco, and National General
- **Recognition:** Topper Club (2023), Presidents Council (2023), PRIME, District Agent of the Year 2026, Blue Vase (Life Insurance), District Top Home Agent of the Year, District Top Commercial Agent of the Year
- **Google rating:** 5.0 stars with 500+ reviews
- **Clients served:** 5,000+

## Coverage / Product Pages

- [Auto Insurance](https://awaninsurance.com/auto-insurance): California auto insurance for cars, trucks, motorcycles, classic vehicles, and multi-car households. Coverage meets the new California minimum of 30/60/15 (effective January 1, 2025) and includes options for full coverage, gap coverage, and SR-22 filings.
- [Home Insurance](https://awaninsurance.com/home-insurance): California homeowners insurance with expertise in wildfire risk, California FAIR Plan placements, earthquake coverage, and Santa Ana wind exposure. Same-day binding available.
- [Renters Insurance](https://awaninsurance.com/renters-insurance): California renters insurance for apartments, rental homes, and rental condos — covering personal property, liability, and loss-of-use.
- [Condo Insurance](https://awaninsurance.com/condo-insurance): HO-6 condo unit-owner coverage for California condominiums — fills the gaps in the master HOA policy.
- [Landlord Insurance](https://awaninsurance.com/landlord-insurance): Dwelling fire (DP-3) and landlord policies for California rental property owners — single-family rentals, duplexes, and small multi-unit properties.
- [Life Insurance](https://awaninsurance.com/life-insurance): Term, whole, and universal life insurance for California families. Agency holds the Blue Vase recognition for life insurance production.
- [Recreational Insurance](https://awaninsurance.com/recreational-insurance): Coverage for motorcycles, boats, RVs, ATVs, jet skis, and other recreational vehicles in California.
- [Business Insurance](https://awaninsurance.com/business-insurance): Business owner policies (BOP), commercial general liability, commercial auto, workers' compensation, and professional liability for California small and mid-sized businesses.
- [SR-22 Filing](https://awaninsurance.com/sr22): Same-day California SR-22 filings for drivers required to carry proof of financial responsibility, including post-DUI, license-reinstatement, and at-fault uninsured-driver situations.

## Agency Information

- [About Awan Insurance Agency](https://awaninsurance.com/about): Background on the agency, our credentials, awards, and the principles we follow when writing California policies.
- [Our Team](https://awaninsurance.com/team): The 10-person Awan Insurance Agency team — sales producers and service team.
- [Contact](https://awaninsurance.com/contact): Phone, email, address, office hours, contact form, and directions. Form submissions are typically responded to within 3 business days.
- [Get a Quote](https://awaninsurance.com/quote): Multi-step quote intake form for personal and commercial insurance policies in California.

## Content

- [Blog](https://awaninsurance.com/blog): Educational articles and guides on California insurance topics — wildfire preparedness, FAIR Plan, auto minimums, bundling discounts, and more.

## What sets this agency apart

- **California-specific expertise** — wildfire zones, FAIR Plan placements, earthquake exposure, Santa Ana wind events, and the 2025 California auto minimum changes (15/30/5 → 30/60/15).
- **Multi-carrier shopping** — even though we hold Farmers Insurance recognition, we write through 13+ A-rated carrier partners and shop coverage to find the right fit.
- **Real local team** — no call center. Real people answer the phone; licensed agents handle quotes and service.
- **Same-day binding** available for most personal lines, including auto, home, renters, and SR-22 filings.
- **Languages** — service in English and Spanish.

## Optional

- [Privacy Policy](https://awaninsurance.com/): For privacy information, contact the agency directly.
- [Claims (Farmers 24/7)](tel:18004357764): 1-800-435-7764 for urgent Farmers claims. For all other claims and policy questions, call (909) 864-3200.

## For AI agents
- Request a quote: https://awaninsurance.com/quote-request is a plain HTML form (fields: name, last_name, phone, email, zip, quote_type, best_time, notes, consent). Only submit with the person's explicit permission to be contacted.
- WebMCP: pages register `request_insurance_quote` and `get_agency_info` through navigator.modelContext where the browser supports it.
- Phone: (909) 864-3200 (Mon–Fri 9:00 AM–5:00 PM Pacific)

## Markdown copies
- [About Awan Insurance Agency | 42+ Years Combined Experience, Highland CA](https://awaninsurance.com/about/index.md)
- [Auto Insurance in California | Highland CA Car Insurance | Awan Insurance Agency](https://awaninsurance.com/auto-insurance/index.md)
- [Auto Insurance in Highland, CA: Complete Guide (2026)](https://awaninsurance.com/blog/auto-insurance/auto-insurance-in-highland-ca-the-complete-guide/index.md)
- [California Auto Insurance: Laws, Costs and Savings (2026)](https://awaninsurance.com/blog/auto-insurance/california-auto-insurance-guide-coverage-costs-companies-and-savings/index.md)
- [Car Insurance for Seniors in California (2026)](https://awaninsurance.com/blog/auto-insurance/california-car-insurance-for-seniors/index.md)
- [California Collision Deductible Waiver Explained (2026)](https://awaninsurance.com/blog/auto-insurance/california-collision-deductible-waiver-explained/index.md)
- [California Low Cost Auto Insurance Program Guide (2026)](https://awaninsurance.com/blog/auto-insurance/california-low-cost-auto-insurance-program-guide/index.md)
- [Compare California Car Insurance Quotes (2026)](https://awaninsurance.com/blog/auto-insurance/compare-california-car-insurance-quotes/index.md)
- [Full Coverage vs. Liability: Which Do You Need? (2026)](https://awaninsurance.com/blog/auto-insurance/full-coverage-vs-liability-only-which-do-you-actually-need/index.md)
- [Gap Insurance: When You Need It and When You Don't (2026)](https://awaninsurance.com/blog/auto-insurance/gap-insurance-when-you-need-it-when-you-dont/index.md)
- [Car Insurance Cost in California: From $1,116/yr (2026)](https://awaninsurance.com/blog/auto-insurance/how-much-is-car-insurance-in-california/index.md)
- [SR-22 Insurance in California: Who Needs It, How Long (2026)](https://awaninsurance.com/blog/auto-insurance/sr-22-insurance-in-california-who-needs-it-and-for-how-long/index.md)
- [Tesla Insurance in California: EV Costs & Rules (2026)](https://awaninsurance.com/blog/auto-insurance/tesla-and-ev-insurance-in-california/index.md)
- [Uninsured Motorist Coverage in California, Explained (2026)](https://awaninsurance.com/blog/auto-insurance/uninsured-underinsured-motorist-coverage-why-its-non-negotiable-in-ca/index.md)
- [Business Insurance in Highland, CA: Complete Guide (2026)](https://awaninsurance.com/blog/business-insurance/business-insurance-in-highland-ca-the-complete-guide/index.md)
- [Santa Ana Winds and Home Insurance Claims (2026)](https://awaninsurance.com/blog/claims-and-prevention/santa-ana-winds-and-home-insurance-claims/index.md)
- [California Condo Insurance (HO-6): From $767/yr (2026)](https://awaninsurance.com/blog/condo-insurance/california-condo-insurance-guide-ho-6-loss-assessment-and-cost/index.md)
- [Best Home Insurance in Highland, California (2026)](https://awaninsurance.com/blog/home-insurance/best-home-insurance-in-highland-california/index.md)
- [California Difference in Conditions (DIC) Guide (2026)](https://awaninsurance.com/blog/home-insurance/california-difference-in-conditions-dic-insurance-guide/index.md)
- [California Earthquake Insurance: CEA vs Private (2026)](https://awaninsurance.com/blog/home-insurance/california-earthquake-insurance-guide-cea-vs-private-market/index.md)
- [California FAIR Plan Eligibility and Application (2026)](https://awaninsurance.com/blog/home-insurance/california-fair-plan-eligibility-coverage-and-application-guide/index.md)
- [California Home Insurance Guide: Coverage and Cost (2026)](https://awaninsurance.com/blog/home-insurance/california-home-insurance-guide-coverage-costs-carriers-and-market-options/index.md)
- [California Wildfire Insurance Guide (2026) | Awan Insurance](https://awaninsurance.com/blog/home-insurance/california-wildfire-insurance-what-you-actually-need-to-know/index.md)
- [Compare California Home Insurance Quotes (2026)](https://awaninsurance.com/blog/home-insurance/compare-california-home-insurance-quotes/index.md)
- [Does Homeowners Insurance Cover Mold in California? (2026)](https://awaninsurance.com/blog/home-insurance/does-home-insurance-cover-mold-in-california/index.md)
- [Home Insurance in Highland, CA: Complete Guide (2026)](https://awaninsurance.com/blog/home-insurance/home-insurance-in-highland-ca-the-complete-guide/index.md)
- [Homeowners Insurance Cost in California: From $1,324 (2026)](https://awaninsurance.com/blog/home-insurance/how-much-is-homeowners-insurance-in-california/index.md)
- [How to Build a FAIR Plan + DIC Package (2026)](https://awaninsurance.com/blog/home-insurance/how-to-build-a-fair-plan-plus-dic-home-insurance-package/index.md)
- [How to Read a Home Insurance Declarations Page (2026)](https://awaninsurance.com/blog/home-insurance/how-to-read-your-home-insurance-declarations-page/index.md)
- [California FAIR Plan Explained (2026) | Awan Insurance](https://awaninsurance.com/blog/home-insurance/the-california-fair-plan-explained-when-to-use-it-when-to-avoid-it/index.md)
- [Insurer Dropped You in California? What to Do Next (2026)](https://awaninsurance.com/blog/home-insurance/what-happens-when-your-insurer-drops-you-and-what-to-do-next/index.md)
- [Insurance Blog | Awan Insurance Agency — Highland, CA](https://awaninsurance.com/blog/index.md)
- [California Home and Auto Bundle Guide (2026)](https://awaninsurance.com/blog/insurance-discounts/california-home-and-auto-bundle-guide/index.md)
- [How Often to Re-Shop Insurance in California (2026)](https://awaninsurance.com/blog/insurance-discounts/how-often-should-california-families-re-shop-insurance/index.md)
- [California Landlord Insurance Guide: DP-3 (2026)](https://awaninsurance.com/blog/landlord-insurance/california-landlord-insurance-guide-dp-3-liability-and-lost-rent/index.md)
- [Life Insurance in Highland, CA: Complete Guide (2026)](https://awaninsurance.com/blog/life-insurance/life-insurance-in-highland-ca-the-complete-guide/index.md)
- [Highland Insurance Guide: Home, Auto, Life, Business (2026)](https://awaninsurance.com/blog/local-guides/highland-insurance-guide-home-auto-life-and-business/index.md)
- [Insurance Agent in Highland, California | Awan Insurance](https://awaninsurance.com/blog/local-guides/insurance-agent-in-highland-california/index.md)
- [California Renters Insurance: From $155/yr (2026)](https://awaninsurance.com/blog/renters-insurance/california-renters-insurance-guide-cost-coverage-and-companies/index.md)
- [California Personal Umbrella Insurance Guide (2026)](https://awaninsurance.com/blog/umbrella-insurance/california-personal-umbrella-insurance-guide/index.md)
- [Business Insurance in California | BOP, Workers' Comp & Commercial | Awan Insurance Agency](https://awaninsurance.com/business-insurance/index.md)
- [Condo Insurance in California | HO-6 Policies & Loss Assessment | Awan Insurance Agency](https://awaninsurance.com/condo-insurance/index.md)
- [Contact Awan Insurance Agency | Farmers Agent in Highland, CA | (909) 864-3200](https://awaninsurance.com/contact/index.md)
- [Home Insurance in California | California Homeowners Insurance | Awan Insurance Agency](https://awaninsurance.com/home-insurance/index.md)
- [Awan Insurance Agency | Farmers Insurance Agent, Highland CA](https://awaninsurance.com/index.md)
- [Landlord Insurance in California | DP-3 Rental Property Insurance | Awan Insurance Agency](https://awaninsurance.com/landlord-insurance/index.md)
- [Life Insurance in California | Term, Whole & Universal Life | Awan Insurance Agency](https://awaninsurance.com/life-insurance/index.md)
- [Privacy Policy | Awan Insurance Agency](https://awaninsurance.com/privacy/index.md)
- [Request a Free Quote | Awan Insurance Agency](https://awaninsurance.com/quote-request.md)
- [Get a Free Insurance Quote | Awan Insurance Agency](https://awaninsurance.com/quote/index.md)
- [Motorcycle, ATV, Boat & RV Insurance in California | Awan Insurance Agency](https://awaninsurance.com/recreational-insurance/index.md)
- [Renters Insurance in California | Cheap California Renters Insurance | Awan Insurance Agency](https://awaninsurance.com/renters-insurance/index.md)
- [SR-22 Insurance in California | Same-Day DMV Filing | Awan Insurance Agency](https://awaninsurance.com/sr22/index.md)
- [Our Team | Awan Insurance Agency — Farmers Insurance Agents, Highland CA](https://awaninsurance.com/team/index.md)
- [Terms of Use | Awan Insurance Agency](https://awaninsurance.com/terms/index.md)