HEALTH INSURANCE 
Most often provide coverage for:
• Doctors visits
• Prescriptions
• Medical Testing
• Specialized care
• Surgical procedures


Although every health insurance policy is different, typically you can work with your insurance agent to create a policy that best suits your lifestyle and needs. It is important to consider your financial situation AND the health of you and your family members when creating a health insurance policy.

Most insurance agents can offer you two types of health care coverage:
• Indemnity Plans (or Fee-for services plans)
  Cafeteria/Flexible Spending Plans
  Indemnity Health Plans
  Basic & Essential Health Plans
  High Deductible Health Plans (HDHP)
  Health Savings Accounts (HSA)

• Managed Care Plans
  Health Maintenance Organizations (HMOs)
  Preferred Provider Organizations (PPO)

AUTO INSURANCE  
Automobile Liability
Provides protection against financial loss from claims or suits for Bodily Injury and/or Property Damage arising out of your ownership, maintenance or use of vehicles.

Uninsured Motorists Liability
Protects insured's who are not contributory negligent against bodily injury caused by negligent uninsured motorists.

Medical Payments
Provides coverage for any Medical Expenses involved for any injury caused by an Vehicle.

Rental Car Coverage
Provides reimbursement for cost of renting a replacement vehicle while your vehicle is being repaired after. Other coverage can be added for specific vehicle needs like: antique automobiles, classic cars, high performance cars, and more.  
HOMEOWNERS INSURANCE 
It is not required by law, but it is required by most banks issuing mortgages on your home. If you own a home, homeowners insurance is essential.

Homeowners Insurance
Designed to pay for damages to your home and its contents, or it can protect you from financial liability if you are held responsible because not a member of your household is injured on your property, includes legal defense cost if you are taken to court. For example, of a branch from a tree on your property were to fall on the home next to the one you own, your homeowners insurance would cover your liability for your neighbor's injury and property damage.

Homeowner’s coverage doesn’t have to be difficult to understand. Typically, a basic California homeowner’s insurance policy will cover the following:
• The structure of your home
• Replacement costs
• Personal possessions (up to a set limit)

• Living expenses in case of a disaster
• Liability

You can also add supplemental policies such as:
• Valuable Articles/Floater policies (i.e. Jewelry Insurance)
• Flood policies
• Earthquake policies
• Umbrella policies (additional liability)
• Animal Liability (liability issues due to household pets)

The needs of every home owner are different and your home insurance policy should reflect that. Our agents will create a homeowner’s insurance policy that will best suit you and your family. Contact us today for more information on our comprehensive homeowner’s insurance policy options.
RENTERS INSURANCE  
Basically, renters insurance acts as a homeowner’s insurance policy for those who rent their place of residence. 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 landlord’s 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.
ADDITIONAL COVERAGES... 
Personal Liability
Your landlord's insurance does not cover your personal property. A renters policy covers your personal belongings such as your cloths, stereo, furniture, television, bicycle and other items.

Renters Insurance protects you against losses from fire or smoke, lightning, vandalism, theft,explosion, windstorm and water damage from plumbing. It covers your responsibility to other people injured at your home, includes legal defense cost if you are taken to court.

Condo Coverage
You will need two separate policies to protect your investment. Your own insurance policy will provide coverage for your personal possessions, structural improvements to your unit and additional living expenses if you are the victim of fire, theft or other disaster listed in your policy. You would also get liability protection. A "master policy" provided by the condominium association. This will cover the common areas you share with others in your building like the roof, basement, elevator, and walkways for both liability and physical damage.

Flood Insurance
A form of insurance designed to reimburse property owners from loss due to a defined peril of a flood. A flood policy protects you from flood.
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