Today, personal lines insurers offer a huge assortment of features that can be customized to suit an individual household’s needs. Personal choice reins, but finding exactly what you want may not be as easy as a click of the mouse.
Typical auto insurance quotes include the following coverage types:
Liability – insurance for property damage and injuries to others caused by you while operating your vehicle.
Medical – coverage for the driver and occupants of the insured vehicle.
Collision – insures the owner from loss during a collision with another vehicle.
Comprehensive – protection from damage caused by things other than vehicle collision.
Rental Car Coverage
New Car Replacement
Other coverage can be added for specific vehicle needs like: antique automobiles, classic cars, high performance cars, and more.
Homeowner’s coverage doesn’t have to be difficult to understand. Your family and your property are valuable and important to you, and that matters to us.. Not only will we provide you with quotes for protection, but we will work with you to find the policy that best fits your needs and budget.
A Typical CA Homeowners Policy will cover:
Building Coverage ( Cost to Rebuild your home)*
Additional Living Expenses*
*Up to a Certain Limit
What does Umbrella Insurance cover?
Most liability coverage that rests within your current insurance policies only covers bodily injury and property damage to others. Umbrella policies will extend those limits to not only provide additional coverage for bodily injury and property damage, but also to cover things that are not listed under regular liability allowances. Every policy is different, so what is considered a covered liability issue under one insurance line may not be covered on another insurance line. Umbrella Insurance kicks in when these situations present themselves and/or you exceed the amount of liability coverage for the events that are already allowed under your regular insurance policies.
Why should you purchase Umbrella Insurance?
You may not think you need an umbrella policy, but consider this: What happens to you and your family’s assets should you be sued for something that occurred at your home and the legal costs of the lawsuit greatly exceed the liability coverage defined by your homeowner’s policy? Who will pick up the tab if you are responsible for a multi-car accident and your liability costs exceed the limits on your car insurance by thousands of dollars? Although these kinds of things may be few and far between, you cannot be too careful. Umbrella Insurance is typically purchased at a low cost to you, but will provide enough coverage to where you shouldn’t have to worry about liability costs in the future.
Your condo association probably insures your building and the common areas, but protecting against damage inside your unit or covering the loss of your personal possessions is usually your responsibility. And what happens if you or your guest gets injured?
Dwelling Fire / Landlord Protection
Landlord Protection insurance is residential rental property insurance for landlords who rent one to four-unit occupied properties, from single family homes and condo units to duplexes and fourplexes. More than just protection from damage, it also protects you from certain types of liability unique to landlords, such as wrongful eviction, Entry and Loss of Rents.
Whether you live in a condo, apartment, house, duplex, etc., renters insurance can protect you and your assets. Having renter’s insurance can help devoid costs of damages should anything happen to a rental property that you are living in.
Doesn’t My Landlord’s Insurance Cover Me?
NO! Do not make the mistake of assuming your landlords homeowners insurance will cover you and your assets. A landlord’s policy covers only the physical structure of the rental property, not your belongings. If the person who owns the building has rental insurance, they will be protected from costs to them should something happen to the building, but they are not responsible for covering your belongings
With the help of our agents, you can make sure that you are protected from earthquake damage, and will be able to get back to normal as quickly as possible if you suffer any loss or damage due to a quake.
With one of our earthquake insurance policies, residents can be protected in the following cases:
Repair or replacement costs for parts of your home that are damaged because of an earthquake
Living expenses for an alternate residence during repairs if your home is considered unlivable because of damage done by an earthquake
Repair or replacement costs for personal possessions damaged by an earthquake
And more, depending on the policy!
Keep in the mind, Deductibles range from 10-25% of Coverage A.
Although it may not seem as necessary as homeowners insurance, flood insurance is important if you want to keep your home safe and your possessions secure. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.
Different types of policies are available based on your property’s location and flood history:
1- Standard Flood Insurance Policies
If you live in a community that participates in the NFIP, your building and its contents can be covered by a standard flood insurance policy. The National Flood Insurance Program (NFIP) was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.
2- Preferred Risk Flood Insurance Policies
If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren’t required to purchase flood insurance in low-to-moderate risk areas, a preferred risk policy will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.
For more information:
Fema.gov- The National Flood Insurance Program
Whether you use your boat to fish, cruise, or race, we know it must be pretty difficult to picture your life without it. We make sure that you enjoy your time on the water without having to worry about what could go wrong. Our agency specializes in writing insurance policies for boaters, so you can be certain we will provide you with the best protection available. We understand the differences between power boaters, sailors, and commercial fishermen, and we can tailor an insurance policy to your unique needs.
Our watercraft insurance plans can provide you with coverage against many different types of loss. We offer:
Medical Payments Coverage
We offer medical coverage that can cover your eligible medical expenses if you get hurt when on the water.
Physical Damage Coverage
This optional coverage is typically designed to take care of your boat, motor, and trailer. Our agents will help you determine the right amount of physical damage coverage for each boat on your policy. You will also need to choose a deductible (the amount you would pay on a claim) before your policy kicks in.
If you’re involved in an accident, there’s a good chance another person or another watercraft is involved. And if you’re at fault, you’ll need liability coverage. You can choose a lot of liability coverage or a little – it’s up to you. We’ll show you what coverage and limits may be available, and how to get the maximum personalized protection you need.
All you need to do is choose the type of coverage and deductibles that best cover your motorcycle and your lifestyle, and we’ll do the rest. We offer competitive prices plus convenient payment plans, and we’ll place your coverage with a company that has the financial stability to be there when you need them most. We hope you never have a bad day, but if you do, our motorcycle insurance coverage is designed to help turn a very bad day around.
And no doubt you’ll qualify for some of our discounts that will make your California motorcycle insurance premiums even lower. We want you to enjoy your ride with the peace of mind that comes from knowing you’re covered.
You may qualify for a number of discounts including:
Insuring more than one motorcycle
Credit for qualified safety courses
Multi-policies with our company