Personal Lines - Home Insurance in Oakland, CA

At Cook, Disharoon & Greathouse, our top priority is protecting you and your loved ones against any unexpected financial burden by providing you with the right insurance solutions, including home insurance in Oakland, CA. Whether you need auto, home, umbrella, or other coverage, we can customize a package just for you that protects what you value most.

Our dedicated staff of personal lines experts is here to come alongside you, understand your specific needs, and provide you with the best policy at the best price. Once we’ve placed the right coverage with you, we’ll always be here to answer any questions and address any concerns that you may have.

We aim to build lasting relationships with our clients, so we offer top-tier policies with ongoing dedicated customer service. Whenever a claim arises, we’ll be here to serve as your guide through the process and your ally with services such as home insurance in Oakland, CA.

Contact us today, or fill out a quote form, to learn more about what we can do for you. Also, if you need help understanding any of these terms, please head to our glossary.

Auto Insurance

Auto insurance is a good idea if you’re going to get behind the wheel, but if that isn’t enough to motivate you, you still need it. In California, auto insurance is legally required. Our goal is to help you get the coverage you need at the price you deserve. Whether you need coverage for your day-to-day vehicle, your antique car, or even your boat, we’re here.

When you buy auto insurance, you’ll be able to choose which of these coverage options you’d like to protect you:

Liability Insurance

This coverage pays for injuries or damages you cause to other people at their property when you’re at fault in an accident.

Medical Payments Coverage

If you or your passengers get injured in an accident, this coverage can help pay for the expense.

Personal Injury Protection

Also known as no-fault coverage, this can help cover your medical, rehabilitative, and funeral costs. It can also cover your lost wages if you get injured and are unable to work.

Uninsured/Underinsured Motorist Coverage

Although auto insurance is required, people do drive without it. If one of these law-breakers causes an accident with you, your uninsured/underinsured BI/PD motorist coverage could pay for your medical and vehicle repair expenses.

Collision Coverage

This part of your policy pays to get your car either repaired or replaced after an accident you didn’t cause.

Comprehensive Coverage

If something not accident-related – like theft, vandalism, or fire – happens to your car, your comprehensive coverage will pay for it.


You can also consider rental reimbursement, roadside assistance, towing, and other coverage options.

Home Insurance in Oakland, CA

Your policy for home insurance in Oakland, CA, will likely be as unique as your home, so it’s important to have an industry expert involved in choosing the right coverage. At Cook, Disharoon & Greathouse, we can guide you towards policy options that will best protect your home, the personal property you store in it, and your liability.

If you’re not in a traditional homeownership situation, we can still help! We offer secondary residence, rental dwelling, condominium, and high value home coverage options. Whether you’re in your first home, your forever home, or somewhere in between, our dedicated team can provide you with the right policy to protect you with home insurance in Oakland, CA.

Life Insurance

While it’s not pleasant to think about, you need to consider how your loved ones would survive without you. By purchasing a life insurance policy, you help them in a number of ways. Life insurance can replace your income, cover your final expenses, build out your heirs’ inheritance, pay relevant end-of-life taxes, and help your loved ones stay on track with their financial goals.

You can choose either term or whole life insurance. Term is more affordable, but it expires once the term is up. It’s ideal for young families or people who just need to protect the next season of life. Whole life insurance lasts until you pass away and builds cash value. We can help you choose the right option for you and your family.

Health Insurance

The Affordable Care Act changed a lot about the healthcare landscape in America. It pays to have a guide who can help you navigate it. At Cook, Disharoon & Greathouse we’ll not only make sure you avoid tax penalties for insufficient coverage, we’ll also help you find the best policy for your physical and financial health.

Understand how health insurance works today is confusing, but we can take the guesswork out for you. Let us do your comparison shopping and provide you with the best policy options that fit your budget. Our goal is to help you protect your health and your bottom line.

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Health Net
HTH Worldwide
Kiaser Permanente

Farm & Ranch

If you own a farm or a ranch, we can provide you with specialized, competitively priced protection. Whether you want to insure your home, car, livestock, crops, or all of the above, we’re here to help you get the right coverage.


We offer our farm and ranch owning clients:
  • Liability Insurance to protect their exposure to risk due to a lawsuit.

  • Auto Insurance to cover trucks, trailers, and any other licensed vehicles used during operations.

  • Umbrella Insurance to provide ranch and farm owners with excess limit liability policy options.

  • Off-Road Vehicle Insurance

  • Farm Product Insurance

  • Animal Liability Insurance

  • Milk Contamination Insurance

  • Cargo Coverage

  • Flood Insurance

  • Employers Liability Insurance

  • Outbuildings Coverage

  • Fire Legal Liability Insurance

  • Equine Liability Insurance

Personal Umbrella

What happens if the liability limits of your homeowners or auto insurance get exhausted? Say you cause a multi-car pileup, or someone gets majorly injured at your house. These types of incidents can quickly expend your existing liability limits, leaving you exposed.

That is, unless you have personal umbrella insurance. This affordable insurance option offers you $1 million or more of liability protection to coverage lawsuit expenses, including attorney’s fees and settlements.


Did you know that your homeowners insurance doesn’t include coverage for earthquakes? Living in California, it’s important to consider what you would do in the face of a quake. Fortunately, you can make that situation much more manageable with earthquake insurance.

This type of insurance is designed to help you rebuild your life – including rebuilding or repairing your home and replacing your personal property – after an earthquake. It’s important to make sure you’re prepared for this all too common natural disaster.

Get A Quote

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    Over 40

    Our Companies

    Cook, Disharoon & Greathouse is proud to offer coverage through some of the most distinguished, highest rated insurance companies in our industries. We have partnered with multiple companies so we can provide you with multiple quotes and options, ensuring you get the best policy at the best price.