Is your business growing and on the move? Do you have the proper coverage in place to make sure your business is protected? Commercial auto insurance, Workers comp and general liability insurance are all part of a well rounded coverage plan that is necessary for your business. Our agents can find you the right coverage at the right price.
Now is the time to shop for Auto Insurance!
Do you have the proper coverage that you need? Do you have the maximum discounts available to you? It may be time to check auto insurance rates to make sure you are getting the best available coverage at the best available price. If your rates have recently gone up, contact us today and one of our live professional agents will help you get the best quote possible.
Are you having a hard time finding home insurance?
Fire Risk, brush hazard… what do all of these mean? What is the California Fair Plan? do you need it or are there better options? We are here to help you with these questions, and to help guide you in the right direction. Call us today to speak with a live, knowledgeable agent.
California Fair Plan…
Have you become more familiar with the name? Are you located in a brush hazard area, or a location that is now considered a high fire risk area? Navigating the current California homeowners insurance market has become very difficult… leave it to the experts! Call us today to get a better understanding of what this all means for you. Speak to a live friendly agent that can answer some of your questions, and help you get the best quote possible.
Auto Insurance Rates
California Auto Insurance rates are on the rise! Now; more than ever is it important to have an agent that will work with you. We at Preferred Auto Insurance Services are able to shop multiple carriers to get you the best rate and we will search for all possible discounts that you may qualify for. Call us today and speak to a live, local California agent that is ready to help you find the best rate possible along with quality coverage.
Umbrella Insurance… what is it, and do you need it?
Watch this short video and learn about Umbrella Insurance
Shake it up!
Earthquakes are to California, what hurricanes are to coastal Florida!
Our state is covered with hundreds of faults, where earthquakes generate… including the large san andreas fault. California on average has about 2-3 significant earthquakes that can cause structural damage per year.
Needless to say, it is probably a good idea to consider earthquake insurance if you live in California. Now is the best time to get earthquake insurance, as there are more options than ever before, which makes the cost much more affordable than it ever has been. Contact us today for a quick quote, 5 minutes or less can give you piece of mind… and help protect your most valuable investment.
Landlord and Tenant policies
One of the most important things you can do to protect yourself as a landlord, is to make sure that you have the right insurance coverage! If you purchased an investment property, your regular type home insurance policy is not he correct coverage to have in place. When there is a tenant living in your investment property, you need a tenant policy, which is also known as a DP3 or DP1.
These policies are tailored to rental properties, and will cover your investment in the case of a loss. They provide coverage for the structure, the correct type of liability coverage you would need as the landlord, and can even cover loss of rental income, in the case of a covered loss.
Do you own several rental properties? We offer unique coverage that can cover several properties under one single policy. This makes it easy to manage the hassle of insurance paperwork and payments on multiple properties. If you have questions regarding what type of insurance you need on your property, please give us a call… One of our agents would be glad to help.
Earthquake warning!!
Last Tuesday, Sept. 27, the U.S. Geological Survey issued a statement that the chances of a magnitude 7 or greater earthquake on the southern San Andreas fault, over the next seven days were as high as 1 in 100. Now this still sounds like a low probability, but given that the average chance of an earthquake this size is 1 in 6000… it caused quite a scare for a lot of southern Californians.
If this had you worried or concerned, now is a great time to look into earthquake insurance! Earthquake insurance is not covered by your regular homeowners insurance policy. Don’t wait until it is too late, Rates are more affordable than you may think, and we have several coverage options. Contact us for quick quote.
What Dog breeds are excluded?
Having a certain dog breed can stop many customers from getting home insurance coverage. The few companies that do accept these dog breeds usually have exclusions to deny any liability that can arise from that particular dog breed. We advise clients to notify their agent/insurance company of a dog that they have in the household. If at the time of purchase you did not have a dog but decided later on to obtain a dog, it could leave you exposed to a liability risk if that dog breed is excluded from your current home insurance policy. Do not assume that you are covered just because the policy is active and the home insurance company does not know you have a dog.
The most common dog breeds that are excluded are:
Akitas, Cane Corsos, Chows, Pit Bulls, Presa Canario (canary dog), Rottweilers, Staffordshire Bull Terriers, wolf hybrids, or any animal with a bite history.
We have programs that will accept these breeds, but liability would be excluded arising from this breed. Some programs would even extend coverage to these breed but with substantial surcharge to your insurance premium.
We are always here to help you find the best program for you, feel free to contact us with any questions you may have.