PERSONAL INSURANCE: Products provide our customers with protection for their homes, automobiles, personal possessions, personal liability. First We listen to you, we discuss your needs and answer your questions. Next, we look at both your short-term long-term objectives in your insurance needs PERSONAL AUTO This coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and some coverage is required by most states. The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are medical, car rental and other coverages which vary by state. Utilizing high deductibles on the physical damage can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
CONDO, TOWNHOUSE HO6 Condo insurance provides coverage for your unit where your condominium associations insurance stops. Your association typically insures the building & other common areas. You are responsible for the interior of your unit. Typically you need personal property and liability coverage. Every association’s insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condo by-laws. Townhouse Insurance In addition to coverage for your floors, walls, cabinets, fixtures that your associations insurance probably will not cover, you must cover your own part of property space between walls
FLOOD Insurance against flood must be separately obtained. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris. FEMA 's maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.
HOMEOWNER HO3 If you have tangible assets, you need the protection of a homeowner’s policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowner's policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home. The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way -- unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier not you in the event of a loss.
MOTORCYCLES Motorcycle insurance is a way of sharing the risks of driving between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy. Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost oflosses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. We have a variety of motorcycle policy options to meet your needs.
PERSONAL UMBRELLA You don't have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep. Umbrella policies offer inexpensive "peace of mind" for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor's child drowning in your pool or the delivery man being seriously injured by falling over your child's toys.
RENTER HO4, DWELLING DP3 As a Renter, you need to protect your personal property against theft and damage. Our renters insurance is hard to beat for convenience and value. Plus, we'll assure you the peace of mind you need for your valuable items and electronics As a Landlord (owner of the property), you need to protect your dwelling against fire, Flood, and other named perils We are currently creating content for this section. In order to be able to keep up with our high standards of service, we need a little more time. Please stop by again. Thank you for your interest! __________________________________________________________________
HARTFORD CA, GA, TX PreferredAuto, HO3, HO4, HO6 Claim: 800-243-5860 https://ebc.thehartford.com 57129517 Ron Carter 1-800-771-8557 ext 57426 <= DP3 to call here Rosemary Chulick 1-408-578-5992 Debbie: 1-800-771-8557 ext 4213 New Business Team Phone: 1-800-771-8557, Fax: 1-877-538-9981 Cancellation of Policy Fax: 1-877-755-5637 ___________________________________________________________________
AIG: CA, GA, TX Standard Auto, Boat, Motocycle, RV https://www.aigwebrater.com 0401841 www.aig4auto.com (to upload payment) Fax: Error to be corrected (pre-issuing) to 1-800-815-7804 Pay by phone using CC/ EFT: 1-866-582-4359 Fax Endorsement (post-issuing) to 1-800-716-0650 Angel Manus 1-877-244-4288, Ann Carr: 1-800-382-8911 x 85769 Kristine Avellano: 1-916-870-7341 ___________________________________________________________________
BRISTOL WEST Standard Auto www.bwproducers.com Code: 0429047 Phone: 888-888-0080 ___________________________________________________________________
FOREMOST CA Standard Motorcycle, Snowmobile, Motor Home, Travel Trailer www.foremoststar.com Code 049-100-167 Note: for ZURICH Marine/Yatch call: 800-358-9602 (Same login information) Help Desk: 1-800-528-5995 Policy/Quote: 1-800-527-3905 Billing: 1-800-532-4221 Licensing: 1-800-237-6136 ___________________________________________________________________
NATIONAL FLOOD AGENCY Residential & Commercial Flood www.nfsmt.com Code 08300-23151-000 (CA) Code 08200-23151-000 (GA,TX) Phone: 1-888-245-7274, or 1-888-857-1000 About Elevation Certificate (Client should obtain the EC from Local City/County Office) 1- Normally required if built after 1970 2- If after 1970, there is a Community Firmed Date, then built after the CFD required 3- Never required in Flood Zone BTX
LCA Website (Low Cost Program) Conditions: * For Californian Good Drivers * For Member of Military and Family station in California * For Non-CA resident who has car registerred in California * Must have low income (max = 250% of Poverty Level by CA rules) * Both Personal Auto and Commercial Auto * Personal 15/30/5 & UM Bodily (no UMP) * Commercial upto 1M Combined Single Limit Commission: 12% in all cases
The (PHILADELPHIA INSURANCE)Bell, to learn how to write FLOOD INSURANCE
