JL Martin Insurance Agency - Personal Insurance

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EARTHQUAKE
FLOOD
AUTO
UMBRELLA

We’ve got you covered.

“I have been a client of Jeannie’s for the past 15 years and she always gives me the best advice and has her client’s best interest in mind. I value the personal service her office provides. She promptly returns my calls and emails, which I appreciate. I highly recommend Jeannie for your insurance needs.”

 

– Bruce Anderson : Anderson Landscape Construction

HOME INSURANCE :

  • Dwelling Coverage
    Damage to your home’s physical structure
  • Other Structures Coverage
    Damage to other structures like a garage, shed or fencing
  • Person Property Coverage
    Your personal belongings – whether in your home or elsewhere
  • Loss of Use
    Additional living expenses if necessary in the event of a covered loss
  • Liability Coverage
    Personal liability in the event someone is injured or their property is damaged by you or a family member
  • Medical Payments
    Coverage for cost associated with injuries that occur at your home for guest

EARTHQUAKE INSURANCE :

We work with the California Earthquake Authority to provide unique coverage for catastrophic risks. Earthquakes are not covered by your standard homeowner’s insurance policy. There are several factors to consider when deciding on a residential earthquake insurance policy so let us help you determine the best coverage for your needs.

California Earthquake Authority

GeoVera Insurance

FLOOD INSURANCE :

Through the federal flood insurance and National Flood Insurance program (NFIP) we provide policies to protect homes, business and personal/business property from flood disasters.

Home Insurance policies do not cover for the peril of flood, except for cases related to flooding from damaged plumbing infrastructure, like a busted pipe. There is a 30-day waiting period after the purchase of a flood policy to be active. Statistics show that more than 20 percent of flood claims actually happen in moderate-to-low-risk areas. Because the flood insurance is federally rated, premiums will be the same across companies, but the company you choose is important because they will be settling and processing your claim. It is recommended that you consider purchasing policies with the same agency. You may have multiples claims arising from the same loss and it will make the claims process easier if working with one agency versus two.

AUTO INSURANCE :

When you’re shopping for auto insurance, you want to be adequately covered in case of an accident. After all, you’re protecting your life and your investment as well as the lives of those around you.

Here’s a quick primer that outlines the basics of auto coverage:

  • Liability Coverage
    The most important coverage and is required in most states. Basically, if you cause an accident, hurt someone or damage someone’s property, it can pay for covered damages and to defend you if a lawsuit results.
  • Collision Coverage
    Helps pay for damage to your vehicle if your car hits another car or  object, is hit by another car, or your vehicle rolls over. This coverage is  generally required if your car is financed or leased.
  • Comprehensive Coverage
    Helps pay for damage to your vehicle that is not caused by a collision. Examples include theft, vandalism, hitting a deer or other animal, storms  and certain natural disasters. Medical payments coverage helps pay for  covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault.
  • Uninsured/Underinsured Motorist Coverage
    Can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage.
  • Medical Payments Coverage
    Helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault.
  • Rental Car Reimbursement
    Helps to pay for the expenses to rent a car while your own vehicle is in the body shop for repairs due to an accident.

UMBRELLA INSURANCE :

Umbrella insurance provides an inexpensive extra layer of liability coverage which can protect you from devastating lawsuits . Whether it’s a serious auto accident involving pricey medical bills or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners or boat policies. A costly judgment is the last thing you want to worry about. You could be forced to pay for your current assets and future earnings.