With our partners we provide the following personal lines of insurance in California:

CHOOSING THE RIGHT INSURANCE

AUTOMOBILE

Car insurance is purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.

HOMEOWNERS

Home insurance, also commonly called hazard insurance or homeowners insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home.

RECREATION

Recreation insurance is insurance purchased for cars, trucks, and other vehicles that may be used for recreational purposes. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.

INDIVIDUAL & FAMILY HEALTH

Major Medical Insurance for you and those you love.  If you become sick or injured and need to go to the hospital or doctor you will need health insurance.  Policies generally have co-pays and deductibles which can be tailored to suit specific needs.

LONG-TERM CARE

Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid. Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform many of the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.

Age is not a determining factor in needing long-term care. About 60 percent of individuals over age 65 will require at least some type of long-term care services during their lifetime.  About 40% of those receiving long-term care today are between 18 and 64.  It is better to plan for this while you are healthy, once you need long-term care insurance it may not be available.

LIFE

A policyholder pays premiums to an insurer who guarantees to pay a designated beneficiary a sum of money if the insured dies or experiences a critical/terminal illness.

DISABILITY

Disability Insurance is a form of insurance that insures the beneficiary's earned income against the risk that disability will make working (and therefore earning) impossible. It includes paid sick leave, short-term disability benefits, and long-term disability benefits.