Auto insurance
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company.
Home insurance
Home insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
business insurance
The success of a business, whether it’s a tiny enterprise run out of a basement or a large corporation, is largely dependent on hard work and ingenuity.
Earthquake/Flood
Earthquake and Flood insurance are not covered on a standard Homeowners policy. In California, homeowner’s are required to purchase a separate policy for Earthquake and Flood damage. Besides the Earthquake policy being a requirement, it is very important to protect your property against the damages involved, which can be catastrophic, especially with California being an Earthquake prone state. Earthquake insurance coverage includes compensation for repairs, replacement of your personal property, and if necessary, lodging if your home is uninhabitable.
Flood insurance is important to have and in some cases, depending on your residence location, it may be a requirement of your mortgage lenders.
Most homeowners mistakenly believe that they do not need Flood insurance because they do not reside in a floodplain or flood risk area. You cannot under estimate the damage that only a few inches of rapid rainfall may cause to your property. Flood insurance covers your home, as well as the contents from flood related damages. In addition to the National Flood Insurance Program, there are several private flood insurance carriers, which offer coverage that you can choose from. You can learn about these programs with our knowledgeable staff by providing us with your residence location.