HOME
EARTHQUAKE
FLOOD
AUTO
UMBRELLA
“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 :
California Earthquake Authority
GeoVera Insurance
FLOOD INSURANCE :
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 :
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 :
