Personal Insurance

Home Insurance

Whether you are a first-time home buyer or own your forever home, understanding homeowners' insurance can be confusing. Knowing what's covered and when it may (or may not) be beneficial to file a claim is not always straight-forward, and for those reasons and more it's worth working with professionals. When you request a proposal from us, we provide at no cost to you:

• A Home Reconstruction Cost Estimate using current local labor and materials costs
• An honest appraisal of the insurability of your home and the perils most likely to affect it
• A minimum of one no-obligation proposal for homeowners' insurance, earthquake insurance, and flood insurance for your home.

Auto Insurance

From clunkers to classics, sweet rides to heavy-duty workhorses, if it has wheels, we have options for you! We're available to demystify coverage options, limits, and build you a policy that works for your needs and budget. Let our experience guide you to a better understanding of your auto insurance -- before you need it.

Condo Insurance

A condo is more than just a place to live, it's a major investment full of valuables you want protected. Owning a Condo is not always straight-forward, particularly when insurance is involved, and your Condo insurance policy is only one piece of the insurance puzzle! Your Condo-Owners policy covers your personal belongings and typically the interior of your condo. The remaining puzzle-piece comes from your Condo Owners Association, which carries a master insurance policy which usually covers the grounds, common areas, and outside/physical structure of your condo. As a condo owner it's important to understand what's covered by both pieces of the puzzle -- your Condo Owners policy and the Condo Owners Association's policy. Luckily for you, we're here to help.

Renters Insurance

Your Landlord may have an insurance policy, but in many cases that policy won't provide you with any coverage should disaster strike. At a minimum, Renters Insurance protects your belongings from loss, protects you from lawsuits, and can pay for a roof over your head when disaster strikes. Not only is Renters Insurance affordable, it's quick and easy to obtain.

Life & Family Protection

Life Insurance isn't just about you, and it may not be about today. Would your family be able to pay all the bills without you? How many people rely on you and your income for their well-being? What are you doing to protect their financial future?

Life insurance may be one of the most valuable coverages that you should consider for your family. When you are confident that your loved ones will be financially supported, you can face uncertainty with less anxiety. As your insurance advisors, we want to understand your goals and discuss options with you so that you can choose what's right for you, such as term life insurance, whole life insurance, or universal life insurance.

Umbrella

You work hard for the things that are important to you. In our increasingly litigious society, your Auto and Homeowners insurance’s liability limits may not be enough to protect your seize-able assets. For added coverage above and beyond the liability limits of your insurance policies, a Personal Umbrella insurance policy can provide world-wide protection for your assets and future earnings. Get in touch with us to learn whether or not an Umbrella is right for you!

Earthquake

In California, damage caused by earthquakes and other earth movement is typically excluded from coverage by your Home, Condo, Renters, or Business Insurance policy. In some cases, Earthquake Insurance can provide package discounts with other insurance policies, enabling you to protect your belongings and your investment affordably. While most Earthquake Insurance in California is offered by the California Earthquake Authority, we can also provide options through private insurance companies, giving you the ability to find the right coverage for your needs. Get in touch with us to learn how to add some stability to your plan!

Flood

Practically every home and business is at risk of flood damage -- just 3 inches of water can cause thousands of dollars in damages to a home! In fact, water damage claims are seven times more common than theft or fire claims.* What's worse is damage done by surface water is almost always excluded from your Home, Condo, Renters, or Business Insurance policy. Let us help you cover your property from loss before it’s too late!

Specialty Products

Specialty insurance covers things that are unique or special, as the name suggests. Specialty insurance policies are useful for covering items that are not covered by other policies -- think RVs, Motorhomes, Travel & Utility Trailers, Off-road Vehicles, eBikes & Scooters, Boats & Watercraft, Jet Skis, Tiny Homes, Dune Buggies and more! Contact us today so we can help you get the coverage you need!

Pet Insurance

Recently experienced an unexpected veterinary bill? Pet Insurance provides coverage when your pet needs medical care for unexpected accidents, illnesses, emergency care and every-day conditions. It can also provide coverage for routine and preventative care. Isn't paying a predictable monthly premium easier to deal with than an unexpected emergency veterinary bill? Contact us for a no-obligations quote for your dog or cat!