What We Insure

Car | Homeowners | Commercial Auto | General Liability | Workers Compensation | Personal Umbrella | Earthquake | Life

Car Insurance

For some people, a car expresses the essence of their being; to others, it's an object to get from point A to point B. We offer a variety of coverage's and companies to choose from, based on your specific needs.

Depending on the company you choose, you can get discounts for:

• Being a Good Driver
• Being a Good Student
• Driving a Safe Car
• Having a Homeowner's Policy with your Auto Insurance Carrier
• Other Advantages you could enjoy:
• Free Windshield Repair
• Disappearing Deductible
• 24-Hour claims Hotline
• Guarantee on Repairs
• Flexible Payment Options

Advantages vary from company to company, and some require the purchase of certain coverage's. We'll review your options with you to find the company and coverage that are right for you.

To find the best policy, contact San Ramon Insurance Agency and we will help you find and acquire the policy that gives you the most for your money.

Homeowners Insurance

Homeowners Insurance is your protection against the uncertainties of day-to-day living. For most people, their home is their single most valuable possession - and their biggest investment. Homeowners insurance protects your investment as well as you, the members of your family and your household possessions.

If you were to suddenly lose your home due to fire or a tornado or have the contents damaged or stolen, like most of us, you probably could not afford to replace everything all at once. And if somebody sued you for an injury or damage caused by you or your property, the cost of defending that suit could run into thousands of dollars in legal fees - and are regardless of the outcome of the suit.

All of these situations are covered by the homeowners package policy. While it may be unpleasant to think about fire, theft, and other "uncertainties of life," let's face it, they are there and things happen.

Yet another reason you need to carry homeowners insurance is that mortgage lenders require it. No mortgage company will lend the large amounts of money needed to finance homes at today's prices without requiring an insurance policy to protect that investment.

What Kind of Disounts are Available?

• New and Newer Home Credits
• Increased Deductible Credits
• Alarms System and Gated Community Discounts
• Claim Free Discounts
• Discounts for Retirees
• Package Discounts up to 25%
• and More

What are some of the Coverage Features?

• Extended Dwelling Replacement of 150%
• Personal Injury Coverage
• ID Fraud Coverage
• Replacement Cost for Personal Property
• Business Persuit Coverage
• and More

To find the best policy, contact San Ramon Insurance Agency and we will help you find and acquire the policy that gives you the most for your money.

Commercial Auto Insurance

For Help Call 925-277-0350

General Liability Insurance

For Help Call 925-277-0350

Worker's Compensation Insurance

For Help Call 925-277-0350

Personal Umbrella Insurance

At one time, most Personal Umbrella policies were purchased by people with significant assets. But, with monetary damage awards from lawsuits continuing to increase, an umbrella makes sense for nearly everyone. By making additional funds available above the limits already present in your home, auto, and boat policies, an umbrella provides additional protection for your assets.

Value of an Independent Agent: As independent agents, we represent companies that are willing to work with your unique situation. If you have home and auto policies from different companies, or have had difficulty getting an umbrella in the past, we can help you.

Legal Fees: With an umbrella policy, your legal fees are usually covered, saving you thousands of dollars in out-of-pocket expenses.

Worldwide Coverage: Unlike your home and auto policies that usually apply only in the United States, a typical umbrella policy follows you around the globe. You can injure someone in Japan or accidentally destroy property in Greece, you've got coverage.

Reasonable Rates: Umbrella coverage is suprisingly inexpensive. Contact us to find how little this valuable coverage would cost you.

To find the best policy, contact San Ramon Insurance Agency and we will help you find and acquire the policy that gives you the most for your money.

For Help Call 925-277-0350

Earthquake Insurance

Real Estate Agents say the three most important aspects of a property are location, location and location. For homeowners and home buyers in "earthquake country" it's:

• Location -- where you are.
• Hazards -- where the faults are, how big the earthquakes can be, and how shaky the ground is under your home.
• Vulnerability -- what your home's "risk factors" are -- the earthquake weaknessess your home may have inherited from building codes and local construction proctices that could lead to damage in the next earthquake.

Those 3 aspects of a property combined, determine your earthquake "risk".

There are 2 Earthquake Policy to choose from:

1. Our "Comprehesive Policy" is a unique insurance product that offers broad protection for the dwelling, other structures, personal property, and additional living expenses. The Comprehensive policy is offered as a combined single limit of coverage with one deductible.
2. Our "Standard Policy" was designed to provide protection for the dwelling, with limited coverage for additional living expenses and personal property. The Standard policy offers a 15% deductible and can provide substantial premium savings over similar coverage offered by most insurance companies.

To find the best policy, contact San Ramon Insurance Agency and we will help you find and acquire the policy that gives you the most for your money.

For Help Call 925-277-0350

Life Insurance

Many financial experts consider Life Insurance to be the cornerstone of sound financial planning. It is generally a cost-effective way to provide for your loved ones after you are gone. It can be an important tool in the following ways:

• Income replacement: For most people, their key economic asset is their ability to earn a living. If you have dependents, then you need to consider what would happen to them if they no longer have your income to rely on. Proceeds from a life insurance policy can help supplement retirement income. This can be especially useful if the benefits of your surviving spouse or domestic partner will be reduced after your death.
• Pay outstanding debts and long-term obligations: Consider life insurance so that your loved ones have the money to offset burial costs, credit card debts and medical expenses not covered by health insurance. In addition, life insurance can be used to pay off the mortgage, supplement retirement savings and help pay college tuition.
• Estate planning: The proceeds of a life insurance policy can be structured to pay estate taxes so that your heirs will not have to liquidate other assets.
• Charitable Contributions: If you have a favorite charity, you can designate some of the proceeds from your life insurance to go to this organization.

To find the best policy, contact San Ramon Insurance Agency and we will help you find and acquire the policy that gives you the most for your money.

For Help Call 925-277-0350