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Personal Lines Insurance

Auto Insurance

Home Insurance

Renters Insurance

Motorcycles Insurance

Including Scooter & Moped Insurance

Boats & Watercrafts

Recreational - RV Insurance

Mobile & Modular Homes

Mobile Home Insurance, Modular Home Insurance

Vacant Home Insurance

Landlord Insurance

Airbnb Rentals Insurance

Jewelry Insurance

Classic Car Insurance

Off Road Vehicle ATV Insurance

Pet Insurance

Electric Vehicles - Carts

Auto Insurance

Understand the common types of auto coverage and get the insurance you want, to fit your budget

LIABILITY COVERAGE

 There are two types of liability coverage. Coverage for Bodily Injury and coverage for Personal Property.  

Legally required for drivers in almost every state, Liability coverage includes Bodily Injury and Property Damage coverage, which pay for someone’s medical expenses, personal injuries, and property damage if you’re at-fault.


COLLISION COVERAGE

 If you hit something like another vehicle or a fixed object like a guard rail, lamp post, or telephone pole, Collision Coverage helps pay for the damages to your car. 


COMPREHENSIVE COVERAGE

 If your car is broken into, or dented in a hail storm, Comprehensive Coverage would help cover the losses to your car. Sometimes called “Other Than Collision” or “Fire and Theft,” Comprehensive covers losses from things other than an accident, like vandalism, riots, floods, hail, fire, animal collisions, and theft.


UNINSURED / UNDERINSURED MOTORIST COVERAGE

 These days, about 1 in 8 are completely uninsured…and about 30% of drivers don’t have enough insurance. That’s why it’s important to consider Uninsured/Underinsured Motorist Coverage. It provides Liability (Bodily Injury and Property Damage) coverage for you, if an uninsured or underinsured motorist is at fault in an accident. 


MEDICAL PAYMENTS

 If you or anyone in your car is ever hurt in an accident, Medical Coverage can pay for their medical expenses. 

Learn More

 When deciding on your Auto insurance policy or making changes to your coverage, it’s important to understand what each option does, and how it would work if you ever needed it. Some coverages are required by your state, while others are extra options you may want to expand your coverage. 

Home Insurance

Your home is likely your most valuable and most prized possession. There is nothing quite like the wonderful feeling of a having a place to call home and nothing worse than the sinking feeling of losing it. Residential homeowners’ insurance helps to make sure that we will have a home in the event the unexpected occurs. 

Value of your Home

Keep in mind, the price you paid for your home is not necessarily what it will cost to rebuild it. For example, the cost of your home may have included the value of the land. When insuring your home though, consider what it would cost to replace or rebuild the house itself. Talk to a Farmers agent, who can work with you to estimate the reconstruction cost of your home. You can also ask a reputable contractor about local building costs. 

Personal Liability Coverage

Are you protected if someone is injured on your property or if you damage another’s property? Personal liability protection covers you against the things you can be held liable for. 

Personal Property Coverage

Are your wedding bands or other valuables covered? What about your home entertainment system? Personal property coverage protects your personal belongings. 

Renters Insurance

Be smart with Renters Insurance

 Renters insurance covers your personal property, and even covers you from liability claims while you’re renting. Also, if your rented home ever needs serious repairs, and you’re unable to live there, it also covers the reasonable and necessary increase in living expenses (housing, food, etc.) you may incur. 

Renters Insurance is Affordable!

for about $12 per month you can have coverage!

Your Personal Property

 Even if you don’t own a home, you probably own a great deal more than you think. Consider all of your furniture, electronics, clothing, appliances, and jewelry, as well as any art, books, or musical instruments you own 

Motorcycle Insurance

Our Motorcycle Insurance has your covered:

 

  • Optional Equipment Coverage
    $3,500 covers your optional equipment and is included with comprehensive coverage. (You can also increase your limits on Optional Equipment Coverage up to $15,000, which is great for custom painting, chroming, sidecars and other great additions to your ride that were not originally provided by the manufacturer.)


  • Safety Apparel Coverage
    This provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.

 

  • Replacement Cost Total Loss Settlement
    We provide Replacement cost coverage for up to two years on bikes purchased new and with a maximum MSRP of $35,000. This applies when you purchase a new motorcycle from an authorized dealer and insures it with us within 30 days. 


  • Towing And Roadside Assistance
    We have experts that know how to take care of and tow your bike.


  • Liability Only Coverage
    This broad coverage is meant for accidents involving your motorcycle (the coverage is for third-party injuries and property damage). The "only" option allows you to make the decision if the liability coverage is all you want. You decide.

 

  • Collision Coverage
    Regardless of who is at fault, this covers your motorcycle in the event of damage caused by collision with other vehicles and trees or utility poles.


  • Other Than Collision Coverage
    Provides coverage for out of the ordinary damages, such as fire, theft, flood or vandalism.


  • Medical Payments Coverage
    Hopefully, never needed, but very important with motorcycle insurance, this coverage pays for the necessary medical care you receive as a result of an accident.


  • Trailer Coverage
    Provides coverage for a specifically designed trailer to transport your motorcycle (valued up to $7,500).


  • Uninsured/Underinsured Motorist Coverage
    Coverage that protects you financially if you're in an accident with someone who's at fault and either has no insurance or insufficient insurance.

Boats & Watersports

Personal Watercraft

Family Boating

Sailboats

Duffy Electric Boats

Pontoon Boats

Boat & Personal Watercraft Insurance Coverages

Watercraft physical Damage

 Direct, sudden, and accidental coverage for your watercraft. 

  • Total loss replacement settlement
  • Mexico Navigation Coverage Available
  • Dinghy/Tender included upto $10,000
  • Diminishing Deductible 25% reduction each consecutive loss free renewal

Personal Liability

 Provides coverage for bodily injury and property damage sustained by others for which you are legally responsible. 




Uninsured Watercraft

 Provides coverage for compensatory damages for bodily injury that the insured is legally entitled to recover from the owner or operator of an uninsured watercraft. 

Medical Payments

 Pays the necessary and reasonable medical expenses incurred or medically determined within one year from the date of an accident causing bodily injury to any person while in, upon, boarding or leaving the watercraft. If this and other insurance apply to a loss, this insurance is primary. 

Towing And Assistance

 If the watercraft is disabled while afloat or away from safe harbor or the trailer is disabled, this coverage pays:

  • The cost of emergency labor performed at the site of disablement; or
  • Towing to the nearest place where needed repairs can be made; or
  • Delivery of gas, oil or battery

Personal Property

 Includes wearing apparel, sports equipment, fishing equipment and other personal property owned by any of the insured or their guests while on board or being carried on or off the watercraft. If this and other insurance apply to a loss, this insurance is primary. 

Recreational Insurance

Motor Home Insurance

Motor home insurance customized to meet your needs regardless if you have a class A or Class B rig.  Our plans offer coverage unique in the industry to protect you when the unexpected happens.

Travel Trailer Insurance

Your auto or homeowners policy may not adequately cover your travel trailer or surroundings.  With an affordable camper / travel trailer policy you protect your investment. 

Fifth Wheel Campers Insurance

Our policy provides important coverage's that are not available in a conventional auto policy or the stripped down RV insurance policy offered by others.  

Luxury Motor Coach Insurance

An insurance plan as unique and as tailored to you as your beautiful coach is. Our Program offers a personal way to make sure you get the insurance you want. 

Recreational Insurance Coverages

  •  COMPREHENSIVE COVERAGE
    This provides protection from just about any direct, sudden, and accidental loss, including; collision, fire, smoke, floods, landslides, hail, windstorms, animals, vandalism, low branches or overhangs, theft and lightning. We also include Coverage for Attached Accessories, including awnings, satellite dishes, TV antennas and more.
  • TOTAL LOSS REPLACEMENT COVERAGE
    This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value of your trailer travel at the time it's destroyed. If your new-model travel trailer is destroyed within its first five model years, and you're the original owner.
  • EMERGENCY EXPENSES COVERAGE
  • Pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home. 
  • REPLACEMENT COST COVERAGE
    More than a typical auto or homeowners policy, this covers your personal belonging that are destroyed or stolen.
  • TOWING AND ROADSIDE ASSISTANCE
    Eliminates the hassle of buying a separate towing plan. Towing, jump starts, roadside service, flat tire charges, fuel delivery, and locksmith service are just a toll-free phone call away. There are no out-of-pocket payments required, either. Just sign and drive. What's more, your motor home and your tow vehicle are covered, regardless of who is driving or where you are in US or Canada.
  • CAMPSIDE/ VACATION LIABILITY COVERAGE
    Provides liability coverage when you are parked and using your motor home as a residence, typically seasonally or weeks at a time.
  • FULL-TIMER COVERAGE
    This is a coverage very similar to a homeowners policy. This option covers you when you are parked and using your motor home as a residence, typically for extended periods of time.

Contact Us

Clemente Insurance and Financial Services

7700 Irvine Center Dr, Suite 800, Irvine, CA 92618, us

888.995.9098