Auto and Homeowners Insurance

What is auto insurance?

Auto Insurance protects you against financial loss if you have an accident.

In California, the law requires that you have a way to cover damages or injury that have been caused by an accident.

  • Liability coverage is made up of two components: bodily injury liability and property damage liability
  • Uninsured/Underinsured Motorist will help protect you in the event the driver at fault has no auto insurance or not enough
  • Medical payments can help cover your medical expenses if you or your passengers are hurt in an accident
  • Collision will cover the cost of damage of your vehicle that has been in accident (Deductibles can range from $100 to $2500)
  • Comprehensive will cover the cost of theft or various other damages not related to an automobile accident
  • Rental reimbursement assists in covering the cost of a renting a car in the event your vehicle is in the repair shop due to an accident
  • Towing will cover the cost of roadside assistance in the event of an accident

The above is a general view of some of the coverages included in an auto insurance policy. Call us today to customize the right policy for your needs.

What is Homeowners Insurance?

Homeowners Insurance provides coverage for damage to your property and liability for injuries caused to others while on your property. A home can be your largest investment. If it was destroyed due to fire or a natural disaster, you would need the funds to repair it. Note that flood and earthquake are excluded coverages in your homeowner policy. These two natural disasters have policies you can purchase specific to that peril.

The above is a general view of the coverages provided by Homeowners insurance. Call us today to customize the right policy for your needs.