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        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
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  <!-- Homepage -->
  <url>
    <loc>https://awaninsurance.com/</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Coverage / product pages -->
  <url>
    <loc>https://awaninsurance.com/auto-insurance</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://awaninsurance.com/home-insurance</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://awaninsurance.com/renters-insurance</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://awaninsurance.com/condo-insurance</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://awaninsurance.com/landlord-insurance</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://awaninsurance.com/life-insurance</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://awaninsurance.com/recreational-insurance</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://awaninsurance.com/business-insurance</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://awaninsurance.com/sr22</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Conversion -->
  <url>
    <loc>https://awaninsurance.com/quote</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Agency / about / team -->
  <url>
    <loc>https://awaninsurance.com/about</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://awaninsurance.com/team</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://awaninsurance.com/contact</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Content -->
  <url>
    <loc>https://awaninsurance.com/blog</loc>
    <lastmod>2026-08-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Blog articles -->
  <url>
    <loc>https://awaninsurance.com/blog/home-insurance/best-home-insurance-in-highland-california/</loc>
    <lastmod>2026-08-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://awaninsurance.com/blog/home-insurance/home-insurance-in-highland-ca-the-complete-guide/</loc>
    <lastmod>2026-08-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://awaninsurance.com/blog/home-insurance/california-wildfire-insurance-what-you-actually-need-to-know/</loc>
    <lastmod>2026-08-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://awaninsurance.com/blog/home-insurance/the-california-fair-plan-explained-when-to-use-it-when-to-avoid-it/</loc>
    <lastmod>2026-08-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://awaninsurance.com/blog/auto-insurance/california-car-insurance-for-seniors/</loc>
    <lastmod>2026-08-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://awaninsurance.com/blog/home-insurance/how-much-is-homeowners-insurance-in-california/</loc>
    <lastmod>2026-08-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://awaninsurance.com/blog/auto-insurance/how-much-is-car-insurance-in-california/</loc>
    <lastmod>2026-08-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://awaninsurance.com/blog/local-guides/insurance-agent-in-highland-california/</loc>
    <lastmod>2026-08-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://awaninsurance.com/blog/local-guides/highland-insurance-guide-home-auto-life-and-business/</loc>
    <lastmod>2026-08-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://awaninsurance.com/blog/life-insurance/life-insurance-in-highland-ca-the-complete-guide/</loc>
    <lastmod>2026-08-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://awaninsurance.com/blog/business-insurance/business-insurance-in-highland-ca-the-complete-guide/</loc>
    <lastmod>2026-08-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://awaninsurance.com/blog/auto-insurance/auto-insurance-in-highland-ca-the-complete-guide/</loc>
    <lastmod>2026-08-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- NOTE: /home-insurance-call/ intentionally excluded (paid-ad landing page, noindex) -->

</urlset>
