Personal insurance provides a financial safety net that protects individuals and families from financial loss due to unforeseen life events. Choosing the right personal insurance coverage is essential for mitigating risks and ensuring financial stability in the face of uncertainty as the case of illness, disability or death. Being prepared should be an important part of your financial planning. Our goal is to find you the insurance that best protects your loved ones.
Helps protect you financially if you're responsible for an auto accident and can also help pay to repair or replace your vehicle after a covered loss. In California, a typical personal auto policy includes liability coverage (bodily injury and property damage to others) and may also include collision, comprehensive (non-collision losses like theft, fire, vandalism, or weather), uninsured/underinsured motorist (UM/UIM), and medical payments coverage (MedPay). Personal injury protection (PIP) is generally not part of standard California auto policies.
Helps cover the cost to repair or rebuild your home and replace personal belongings after damage from covered causes of loss (such as fire, theft, and certain weather events). It also helps protect against liability exposuresfor example, if someone is injured on your property or you accidentally damage someone elses property. Standard policies typically include dwelling coverage, other structures coverage, personal property coverage, loss of use/additional living expenses, and personal liability/medical payments to others. In California, availability and terms can vary based on location and wildfire exposure; some homeowners may need alternatives such as a FAIR Plan policy paired with a separate wrap (difference-in-conditions) policy for broader protection. Flood and earthquake are commonly excluded and may require separate coverage or endorsements.
If you rent an apartment or home, renters insurance helps protect your personal property (your belongings) because the landlords policy generally covers the building not your contents. It can also help protect you from personal liability claims and may include loss of use/additional living expenses if a covered loss makes the rental uninhabitable. Many policies also include medical payments coverage for covered injuries to guests, regardless of fault, subject to policy limits and terms.
An extra layer of personal liability protection that can apply when the liability limits on your underlying policies (such as auto, homeowners, renters, or boat) are exhausted by a covered claim. An umbrella policy can also help pay legal defense costs for covered lawsuits. Limits are commonly offered starting at $1 million and can be higher, subject to underwriting and required underlying limits.
Coverage designed to help pay for direct physical damage caused by earthquake/earth movementa peril typically excluded by standard homeowners and renters policies. In California, earthquake coverage is often obtained through a stand-alone policy (commonly via the California Earthquake Authority, depending on eligibility) or, in some cases, through private-market options. Coverage commonly applies to the dwelling/structure and personal property and may include loss of use; deductibles are often a percentage of the insured value and all shocks within a defined time period (often 72 hours) may be treated as a single event, depending on the policy form.
A contract that pays a death benefit to your chosen beneficiary(ies) when the insured person dies, helping provide financial support for income replacement, debt payoff, education funding, or final expenses. Life insurance is commonly available as term coverage (for a set period) and permanent coverage (such as whole life or universal life) that may last for a lifetime and may build cash value, depending on the product.
Coverage that helps pay for covered medical expenses, such as doctor visits, hospital care, prescriptions, and preventive services, subject to the plans network, deductibles, copays/coinsurance, and out-of-pocket limits. Health plans can be obtained through an employer, directly from an insurer, or through public/private programs, and benefits vary by plan design and state rules.
Income-protection coverage is designed to replace a portion of your earnings if a covered illness or injury prevents you from working. Benefits are typically paid after an elimination (waiting) period and may be structured as short-term or long-term coverage. Policies vary in how disabilityis defined (for example, inability to perform your own occupation versus any occupation), benefit duration, and percentage of income replaced.
Coverage that can help reimburse certain non-refundable trip costs and other travel-related losses when unexpected events disrupt your plans. Depending on the plan, benefits may include trip cancellation and interruption, trip delay, baggage/personal effects and baggage delay, and emergency accident/sickness medical expense and evacuation while traveling. Covered reasons, benefit limits, exclusions (including pre- existing condition rules), and availability vary by plan and state.
Designed for homeowners, renters, and landlords, protecting the structure of their residence, personal belongings, and sometimes rental income. It typically covers structural repairs, replacement of damaged contents, and additional living expenses if the home becomes uninhabitable. In California, the California Earthquake Authority (CEA) offers basic coverage, but private insurers often provide higher limits and broader protection. Personal policies may also cover other buildings on the property and, for landlords, lost rental income during repairs
Note: Coverage descriptions are general summaries for informational purposes. Actual coverages, definitions, limits, exclusions, and availability vary by carrier, California underwriting rules, and policy form. Please refer to the issued policy for complete terms and conditions.