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.
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.
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.
If you or anyone in your car is ever hurt in an accident, Medical Coverage can pay for their medical expenses.
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.
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.
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.
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.
Are your wedding bands or other valuables covered? What about your home entertainment system? Personal property coverage protects your personal belongings.
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.
for about $12 per month you can have coverage!
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
Direct, sudden, and accidental coverage for your watercraft.
Provides coverage for bodily injury and property damage sustained by others for which you are legally responsible.
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.
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.
If the watercraft is disabled while afloat or away from safe harbor or the trailer is disabled, this coverage pays:
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.
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.
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. We assist with home insurance in Irvine
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.
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.
This listing is intended for informational purposes only and does not constitute an offer to sell or an offer to buy any product. This site is published in the United States for U.S.
residents only • This information and the products and services described here are intended only for individuals residing in a state where the company / agents are properly licensed • CA Insurance License # 0H07352
We assist clients all over CA with a focus on Irvine CA, Lake Forest Ca, Tustin CA, Newport Beach CA, Mission Viejo CA, Costa Mesa CA, Dana Point CA, Laguna Beach CA, Laguna Niguel CA, Aliso Viejo CA, Huntington Beach CA, Santa Ana CA, Racho Santa Margarita CA, Ladera Ranch CA, and San Juan Capistrano CA