Personal lines insurance may include products such as homeowners insurance, flood insurance, earthquake insurance, renters insurance, automobile insurance, umbrella insurance, etc. These products protect individuals and families against potentially crushing financial losses caused by fire, theft, natural disasters, accidents, lawsuits, and so forth. We provide our distinguished services from our client’s perspective, considering not only the best insurance products but also various discount programs. With us, you will be provided with clear and detailed explanations of various products, so you will find your own insurance best suited for your current situation, which will finally make you feel secure.
For most of us, our cars are one of the biggest investments we make and to experience a loss could be financially devastating. Auto insurance can cover more than just the repairs on your vehicle. Depending on the coverage you choose, your insurance can:
Figuring out which coverages make sense for you can be confusing. That’s why it’s important to discuss your needs with one of our insurance professionals, who can recommend coverages that are right for you and help identify whether you qualify for any of the auto discounts we have available.
Your house is more than just a structure. It can provide you with financial and emotional security. And it’s probably your biggest investment. More importantly, we fully understand that possessions and valuables inside the walls make your house a home, so those items need protection as well.
If you rent an apartment or own a condominium, you need insurance to protect your belongings. While your landlord or condo association might have insurance, it only protects the building. Your belongings are not covered under those policies. There are several types of residential insurance policies. The HO-4 policy is designed for renters, while the HO-6 policy is for condo owners. They both cover losses to your personal property.
Just like personal auto insurance, motorcycle insurance offers similar property and liability coverages.
Umbrella liability coverage protects you from financial catastrophe due to lawsuits. It offers additional protection above and beyond your standard homeowners and auto policy limits and helps eliminate any gaps in your coverage. This type of policy can help ensure you are safeguarding your possessions, savings, and your future earnings.
An important component of your homeowners’ insurance or renters insurance policy is personal liability coverage. Personal liability insurance can provide coverage in the event an accident occurs in or out of your home that results in bodily injury or property damage that you are held legally responsible for. If you have personal liability coverage, you may be able to avoid paying out of pocket for incidents like these.
Dwelling insurance(DP) covers certain and specific perils, hazards that can damage your home or the cause of loss. Furthermore, that dwelling is only covered against certain “named perils,” so it is very important to consult with experienced insurance professionals like us.
For many homeowners, flood insurance is an essential extra layer of protection.
Adding flood insurance to your insurance package means you’re covered if groundwater rises and floods your home—a situation that isn’t usually covered by home policies.
Whether you own a house, mobile-home or condo unit, or you rent, California Earthquake Authority (CEA) has an earthquake insurance policy that gives you the strength to rebuild and recover. With more coverage choices, more deductible options, and more affordable rates, you now have the flexibility to find a policy that fits your needs and your budget.
For more information: Tel: (213) 387-5000