Homeowner Policy

covers physical loss to the dwelling, provides coverage for your personal belongings and provide liability coverage.

Key coverage you need to know:

  • HO-3 Special form policy
  • All risk coverage
  • Deductible
  • Policy includes dwelling extended replacement cost
  • Percentage of dwelling coverage for other structure, or agreed amount
  • Percentage of dwelling coverage  for loss of use, or agreed amount
  • Theft coverage
  • Temporary or permanent residence employee
  • Silverware and Jewelry limits and deductible
  • Personal liability and medical expenses for others

Condo Policy

covers personal belongings, additions and alternations that are part of your unit, real property which insured is responsible under the association’s agreement, and provides liability coverage.

Key coverage you need to know:

  • HO-6 Broad from policy
  • No coverage for dwelling structure
  • Pays your part of loss assessment charged by condo association when a claim incurs and causes damage for all members.
  • Personal liability and medical expenses for others.

Renter Policy

covers personal belongings and provides liability coverage.

Key coverage you need to know:

  • HO-4 Broad from policy
  • Personal liability and medical expenses for others.

Rental Dwelling Policy

It can be called landlord insurance. it covers physical loss to the dwelling, provides liability coverage, and reimburses you the rental income loss when the dwelling is damaged and unlivable because of listed cause of loss.

Key coverage you need to know:

  • Rental income loss coverage
  • Personal liability and medical expense for others
  • Vandalism

Auto Policy

covers physical damage of your vehicle and/or damage to 3rd party’s property loss, people’s injuries, and pays for medical expenses for you, your passengers, or pedestrians.

Key coverage you need to know:

  • Liability coverage
  • State minimum liability limit is $15,000 for injury/death to one person, $30,000 for injury/death to more than one person, $5,000 for damage to property
  • Medical payment coverage
  • Uninsured motorist coverage
  • Physical damage to your vehicle (collision & comprehensive)
  • Towing service
  • Car rental expense
  • Deductible

Driver With Violations

your auto policy will become non-standard policy. You still get the same coverages, but the premium will be rated up based on your driving experience.

Driver With DUI

please refer to California Department of Motor Vehicle department for details. http://dmv.ca.gov/dl/driversafety/dsalcohol.htm#took

Key words you need to know:

  • SR22 filing
  • Must carry State minimum insurance to get suspended license back

Personal Liability Umbrella

covers property damage or bodily injury, personal injury, or defense costs when the amount you must pay in a covered lawsuit exceeds the limits of liability coverage under your primary homeowner or personal auto insurance. Basically, the ordinary policy does not have enough limits to cover the lawsuit costs or compensation for others. If you have personal umbrella policy, the policy will pick up the excess liability up to its policy limits.

Key things to think of having umbrella policy:

  • Employ domestic staff, such as housekeeper
  • Frequent entertainment at home
  • Own a swimming pool
  • Own multiple homes
  • Drive a car

Key things to think how much is enough:

  • Review all of your assets, including your house, cars, personal belongings, 401(k), investment accounts, savings, or any valuables.

Get A Quote

Live Chat