PERSONAL INSURANCE

We have solutions to protect everything that is important to you, and coverages you need to help minimize loss.

AUTO

Auto insurance is required in California and offers many necessary coverages that protect yourself and others from injuries and car related damages. We want to help provide you with enough coverage to avoid financial distress after an accident.

Some unique benefits we offer:

Loss of Use Coverage

If your car breaks down, we will pay you for each day it is in the shop, even if you don’t choose or need a rental car. Spend this money however you want.

Rideshare Coverage

Do you drive for Uber or Lyft? We offer coverages during select times that your rideshare insurance does not cover you.

New Car Replacement

We will replace the vehicle without depreciation in the event the car is determined to be a total loss. This coverage is available for two years after the date of purchase or 24,000 miles, whichever comes first.

Original Equipment Manufacturer

After a loss, this coverage will provide replacement parts from the original manufacturer to repair the vehicle.

On average, 25% of drivers have no insurance at all. Another 30% of drivers carry the state minimum coverages which include: $15,000 per person, $30,000 per accident for bodily injury liability, and $5,000 for property damage.

Let’s make sure you have enough coverage to protect others and yourself.

HOME

Homeowners insurance protects your dwelling when damaged by a covered loss such as fire, wind, vandalism, or theft. It also covers personal belongings, relocation expenses, and personal liability protection for you and your family.

Don’t let your biggest purchase go underinsured. The cost of materials and labor is constantly on the rise and it’s important to maintain updated coverages so we can restore your home the way it was before. From expensive jewelry to building ordinance and law coverages, we can customize your policy to cover your home, inside and out.

LIFE

Life Insurance helps provide peace of mind with financial support for the life you have built and the people who are in it. If others depend on you for everyday living expenses, paying off your mortgage, or college tuition, you should consider a life insurance policy.

The amount of coverage necessary depends on your stage of life, and we can find the right policy that meets all your needs and budget. From 10 years to the rest of your life, a life insurance policy offers your family financial stability if you were no longer there. Don’t delay, the longer you wait the more expensive a policy can get.

RENTERS

Renter’s Insurance protects your personal belongings and provides liability coverage. To name a few, if your laptop is stolen, clothes are burned in a fire, or your dog bites someone, renter’s insurance can cover these losses. Don’t overlook this affordable and necessary policy just because you are renting someone else’s home.

RENTAL UNITS

Are you a landlord? Do you manage Airbnbs or vacation rentals? Make sure you have the proper insurance in place so your losses are covered. Covering short term and long-term rentals properties, we look out for potential risks so you can focus on keeping your guests happy!

MOBILE & MODULAR HOMES

Owner occupied, short term or rented out, we can cover your manufactured, mobile and modular homes, and even some stationary travel trailers.

UMBRELLA

An Umbrella policy gives you additional liability coverage to your auto and home limits for a reduced cost. We insure your home to its actual value. Why not increase your liability coverages to equal the value of all your assets? We want you to keep them and pass them on!

TOYS

Don’t forget about the fun stuff! Protect your toys and the people around you. We cover motorcycles, off-road vehicles, ATVs, RVs and travel trailers, boats, personal watercrafts, and snowmobiles.

EARTHQUAKE

Through the California Earthquake Authority we can provide insurance on your home if it is damaged by an Earthquake. The premium depends on many factors, ask for a free quote today.

FLOOD

The nation’s # 1 natural disaster. If you are required to carry this, give us a call.

PET

Our policy doesn’t only cover your pet’s medical expenses, but offers a 24/7 pet hotline by veterinary experts. You know you’re going to pay the bill regardless, invest now in your 4-legged friend instead of paying more later. Read more at the Pet’s Best website.

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