Insurance Made Simple, Savings Made Real
Serving Dublin, Livermore, Pleasanton, San Ramon & Danville. We shop top-rated carriers to find you the best coverage at the best price.
Insurance for every need
We compare rates from 35+ carriers so you get the best coverage at the best price.
Homeowners
Full protection for your Tri-Valley home and everything inside
Auto
Drive the Tri-Valley with confidence and savings
Life
Protect the people and futures you love most
Business
Comprehensive coverage for your Tri-Valley business
We shop 35+ top-rated carriers to find your best rate
Why Tri-Valley trusts Oram
As your local independent agency, we do the hard work of comparing carriers so you get the best deal—every single time.
Trusted by your neighbors
See why Tri-Valley families and businesses choose Oram Insurance.
“Oram saved us over $600 a year on our homeowners policy. They shopped multiple carriers and found us better coverage for way less. Can't recommend them enough!”
Sarah K.
Dublin homeowner
“Bundled our home and auto through Oram and the savings were incredible. Plus having a local agent who actually picks up the phone? Priceless.”
Marcus J.
Pleasanton family
“When we had a claim, Oram advocated for us with the carrier. Having someone in your corner makes all the difference. They truly care about their clients.”
David & Lisa
San Ramon family
“Oram handles all the insurance for my small business. They found me comprehensive coverage I didn't even know I needed. Professional and knowledgeable.”
James T.
Danville business owner
“After our old carrier raised rates, Oram found us a better policy for $400 less per year. The switch was painless — they handled everything.”
Priya M.
Dublin family
“Oram saved us over $600 a year on our homeowners policy. They shopped multiple carriers and found us better coverage for way less. Can't recommend them enough!”
Sarah K.
Dublin homeowner
“Bundled our home and auto through Oram and the savings were incredible. Plus having a local agent who actually picks up the phone? Priceless.”
Marcus J.
Pleasanton family
“When we had a claim, Oram advocated for us with the carrier. Having someone in your corner makes all the difference. They truly care about their clients.”
David & Lisa
San Ramon family
“Oram handles all the insurance for my small business. They found me comprehensive coverage I didn't even know I needed. Professional and knowledgeable.”
James T.
Danville business owner
“After our old carrier raised rates, Oram found us a better policy for $400 less per year. The switch was painless — they handled everything.”
Priya M.
Dublin family
Frequently asked questions
Everything you need to know about working with a local independent agency.
Unlike captive agents who work for a single insurance company, we're an independent agency. That means we shop your policy across 35+ top-rated carriers to find you the best coverage at the best price — every time. We work for you, not the insurance company.
We proudly serve the entire Tri-Valley region including Dublin, Livermore, Pleasanton, San Ramon, Danville, Alamo, Blackhawk, Camino Tassajara, Diablo, and the surrounding East Bay communities.
Most quotes take just a few minutes! Give us a call at (925) 555-0100 or fill out our online quote form, and we'll shop multiple carriers to find your best rate — usually within the same day.
Absolutely! We regularly review existing policies to make sure you're getting the best rate and the right coverage. Many clients save hundreds per year simply by switching. There's no cost or obligation to get a comparison quote.
Yes! As a California agency, we understand the unique risks our region faces. We offer earthquake insurance through the California Earthquake Authority (CEA) and private carriers, as well as wildfire coverage add-ons for homeowners in at-risk areas.
You can file a claim directly with your carrier, or contact our office and we'll guide you through the process. We advocate on your behalf to make sure your claim is handled quickly and fairly. Call us at (925) 555-0100 or visit our contact page.
Protecting Tri-Valley families & businesses
Let us shop 35+ carriers to find your perfect policy. Free quotes, local service, and savings you'll love.