5 /5 Cindy Valle: With all of the increases from other companies due to fires in California, my parents were paying over $1700 for homeowners insurance. They had basic coverage, and lived in an area that was not fire prone, yet their yearly premium kept increasing. That was ridiculous! Then I found Urban Advantage! I was able to get a quote for my parents house, and im paying $800 in yearly premium! Thats a huge discount. I went over all the coverage from their old policy and their new policy and they were getting better coverage as well. People dont realize that even though they dont live in a fire area, their insurance goes up as well. Take a chance and call Urban Advantage. You might be able to save a few hundred dollars and youll have insurance with an amazing company.