? Why do I need auto insurance?

Your personalized insurance policy is designed to protect you, your passengers and your vehicle.

? What is the difference between full coverage and liability only?

“Full coverage” is a misnomer that is not used correctly when describing auto insurance coverage. Your dedicated insurance advisor will explain to you the different coverage available and how to best protect you and your family.

? What do I do in case of an accident?

First, we want to make sure everyone is ok and if there are injuries involved, immediately call 911. If you have your phone with camara handy, take photos of the damaged vehicles, license plates, drivers license, insurance ID card and collect contact information from witnesses. The police typically only come to the scene to take a report if there is bodily injury involved.

? How does home insurance protect my property?

Home insurance can protect your home and possessions from theft or damage from a covered cause of loss. Your dedicated insurance advisor can review what is typically covered under a homeowners policy.

? Do renters and landlords need their own insurance policies?

YES! The insurable interest is different between a tenant and a landlord, there are different policies that need to be placed to protect their individual interest in the property.

? Is there insurance coverage for my business if my employee sues me for wrongful termination?

YES. We offer employment practices liability coverage for our business owners to protect themselves in case an employee sues them.

? What is my employee steals from me? How do I protect my business against employee theft?

Your insurance advisor will offer coverage for employee theft on your business owners policy.

? Do you offer mortgage protection or protection in the event I die and my family is left with a mortgage and bills to pay?

YES, we offer family income protection that will leave your family money to pay off the mortgage, other debts and final expenses.

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CA 94563