We have an array of personal lines insurance.   Our preferred residential carrier, California Capital Insurance Company offers excellent policies for qualified risks.  Call for a quote today! There are no obligations and we are always glad to hear from you.

We have lots of questionnaire and applications we can e-mail or fax to you, just ask.

  • Residential: 
    • Homeowners – your primary residence, occupied by yourself
    • Dwelling Fire – Homes you do not live in, probably occupied by a tenant
      • Also Available:
      • Vacant Dwelling programs
      • Builders Risk/ Course of Construction
    • Mobile home owner  and Tenant Occupied Mobile Homes
  • Personal Auto – Same day Financial Responsibility Filings
  • Motorcycle
  • Personal Excess Liability
  • Recreation Vehicles including:
    • Watercraft
    • Snowmobiles & ATVs
    • Motor homes & Travel Trailers
       

Questions,  Tips & Comments

Q. Are business tools covered under the homeowner policy? 

A.  Typically, no.  Most artisans and professionals should have a separate policy covering tools of the trade.  If a contractor’s pickup is parked at the store and his generator is stolen, the homeowner policy will NOT extend coverage.  Homeowner policies are intended to cover typical residential and personal property. 

Q. Is a separate structure used for business covered under the homeowner policy?

A.  No, on a typical “special form homeowner policy”, separate structures used in whole or part for business are excluded.  Like business personal property, the best place to insure this would be a commercial policy designed for the business.

Q.  In auto insurance, what is “full coverage”

A. Full coverage is another buzz phrase that can be misleading.  Because auto insurance has so many coverage options, including limits of liability from the minimum to a million, deductible options, uninsured motorist limits, towing, rental car reimbursement, loan payoff, etc…. one can load ALL the optional coverages available, to arrive at “full coverage” for an expensive premium.  However, a typical coverage for new car will include liability, uninsured motorist, medical, comprehensive and collision coverage.  Then, depending on circumstances and needs, additional coverages can be added.  

Q.  Is jewelry covered under the homeowner policy?

A.  Yes, to some extent and subject to limitation.    Although if one has a valuable item(s) , it is best to schedule  on the homeowner policy.  This is an easy transaction, requiring only a recent appraisal or purchase agreement. 

Q.  How is an ATV covered?

A.  The best place for coverage on an ATV is a separate policy.   Coverage is severely restricted on a homeowner policy and with an ATV policy you have the option of choosing deductibles and limits of liability.

Q.  I don’t have any insurance on the antique auto in process of renovation.  Doesn’t my homeowner policy cover it and the parts because it’s in my garage?

A.  No – the homeowner policy specifically excludes autos, parts.  The only place one can purchase insurance for a vehicle is an auto insurance policy.

   The higher the deductible, the lower the premium.  Deductibles are an effective tool in keeping insurance costs down.   In today’s market, it is unlikely one will submit a claim for $500 damage or in many cases a $1,000 damage.  If you are purchasing insurance primarily for the larger losses, make sure your deductible reflects this philosophy and you are receiving the discount.

   Earthquake & Flood insurance are issued on separate policies.  If coverage is desired for either of these lines, please contact your insurance representative.  A quote costs you nothing.

   Many homeowner insurance policies now contain animal exclusions under the liability section.  Please read over policies or contact your insurance representative to see if any such exclusions exist on your policy.

   The term “Guaranteed” replacement coverage is a misnomer and we shy away from using that phrase.  It lulls consumers in to a false sense of security and really is not a guarantee.  Although, most preferred homeowner policies have coverage extensions that will contemplate additional limits to make up for building ordinance changes or a small gap in insurance to value.

   FAMILIARIZE yourself with your policy.  TALK with your insurance representative about your circumstance and ASK LOTS OF QUESTIONS.   Our job is to provide you with the information you need to make  informed insurance decisions.