Personal Insurance

Family, Home and livelihood are usually ordered 1, 2 & 3 in a person’s order of importance.  These three priorities are vital to us, but often left a bit vulnerable.  Some agents will try to sell you the cheapest options regardless of what coverages it may entail.  If these are our highest priorities in life, protecting them shouldn’t be a game of pin the tail on the donkey.  We need to take a comprehensive approach to what is most important to you.  This should include having multiple options of coverage to pick what is right for you and your budget.  Good coverage and peace of mind doesn’t have to cost a lot, it just has to be well thought out.

Contact us, when you are ready to protect your priorities with an agent that does it the right way.

Things to Think about:

Homeowners/Dwelling Insurance
  • How much liability insurance do you need?
  • What deductible is right for you?
  • Are there any special items you need covered?
  • Do you need flood insurance?
  • Do you need Earthquake insurance?
  • What is brush risk?

Automobile Insurance

  • What liability limits do you need?
  • Do you need full coverage or is liability only enough?
  • Do you have special equipment on your vehicle that requires additional coverage?

RVs, Boats & Toys

  • Where and how do you use the vehicle?
  • What liability limits do you need?
  • Do you require any specific coverages in addition

Individual Health

  • What type of coverage do you need?
  • Do you need dental insurance?
  • Will you qualify for lower premiums through Covered California?
  • Do you currently have coverage?

Life, Accident & Disability Insurance

  • What do you want to accomplish with your life insurance?
  • What amount of insurance do you need to cover your current lifestyle in the event of a catastrophic event?