Auto insurance

Auto insurance pays for the damage and injuries caused by an automobile accident and for repairing or replacing your vehicle if it is damaged or stolen. Here in California, you are required to carry auto Liability Insurance. The minimum required coverage may not be enough to pay for all the damages.

In addition to liability insurance, there are many different types of auto insurance coverages, including : Collision, which pays for damages to your vehicle; Comprehensive which pays for damage to your car from fire, theft, storms, etc.; Bodily Injury insurance, which pays for injury to others when you are at fault; Property Damage, which pays for property damage when you are at fault; Medical Payments which pays for your own or your passenger's medical expenses which result from an automobile accident. Uninsured/Underinsured Motorist, which covers you if the other driver is not insured or is underinsured.

We also offer these optional auto insurance services to provide added protection for your vehicle:
Emergency roadside assistance and towing; auto windshield glass repair service; car rental reimbursement insurance.

Request a free auto insurance quote here.

Homeowners insurance

With your Farmers homeowners insurance coverage, your house and separate structures are covered for almost any type of damage except for a few common exclusions listed in your policy, such as wear and tear, flood, nuclear hazards and earthquakes.

Your policy covers your on-premises personal property, subject to the policy provisions. Your personal property is protected anywhere in the world - if your clothes are stolen while on vacation, you're covered with Farmer's insurance.

Typically, your Farmer's homeowner's insurance policy covers personal property damages resulting from the following: Fire or lightning, windstorm or hail, explosions, riots or civil commotion, falling objects, aircraft and vehicles, sudden or accidental smoke damage, vandalism or malicious mischief, theft, sudden and accidental discharge of water or steam from plumbing system or appliances, building collapses.

Your coverage pays for bodily injuries to other people or damage to their property if you are liable, when the damage is caused by the following: use of your premises, including swimming pools, acts of your pets, unintentional acts by you or a qualified family member.

Also, homeowner's insurance pays medical payments for other people injured on your property, regardless of liability, up to certain limits stated on your policy.

Request a free homeowner's insurance quote here.

Homeowner's Insurance Options:

Certain personal articles can exceed the costs limits stated in your homeowner's insurance polices, such as jewelry, furs or fine arts. Special items such as these can be can be covered by a Personal Articles Floater.
Personal Umbrella Coverage - Farmers Personal Liability Umbrella provides coverage in increments of $1 million. It supplements your present policies to provide additional personal liability protection. The Umbrella Insurance policy goes into affect after the underlying liability limits on your homeowners or auto policy is exhausted. Therefore, your policy must have certain limits in order to qualify for an Umbrella policy.

Typically, these are the policy limits that either your auto or homeowners policy needs to have. Please call me if you have any questions. An umbrella insurance policy usually has a liability limit of $1 million or more, which is added on top of the limit for any other policy, such as a home.

Condo Insurance

Condo insurance can be used to pay for your share of property damage or injury awards for which your association's policy does not provide coverage. If your condominium unit becomes uninhabitable due to a covered loss, your condo insurance will pay for those extra costs of housing, eating expenses, etc. up to the applicable limit. Your condo insurance policy will also cover accidental damage to improvements you make in your unit for which your association's policy does not provide coverage. Like the homeowner's policy, the condo insurance policy covers your personal property worldwide and provides personal liability insurance which pays for bodily injuries to other people, or damage to their property.

Life insurance

Life Insurance offers you the peace of mind that comes with knowing your family's needs are covered in the event of your death. At Farmers, we offer 3 kinds of life insurance: Whole Life Insurance, which offers life insurance for your entire life; Universal Life Insurance, which is flexible and offers an outstanding cash accumulation program. Term Life Insurance, for when you're looking for temporary coverage to fit your current family or business needs. These plans generally provide the most coverage for your insurance dollar. What's more, several of the plans are renewable or even convertible to permanent forms of coverage that lock in your when you're looking for temporary coverage to fit your current family or business needs. These plans generally provide the most coverage for your insurance dollar. What's more, several of the plans are renewable or even convertible to permanent forms of coverage that lock in your premium cost over the life of the insurance policy.

Health Insurance

Farmers Insurance offers health care plans, including medical, dental, life, and specialty programs, through Blue Cross of California. Please check out our Blue Cross site for comprehensive information about our offerings and to compare medical insurance plans for individuals and groups.

Business Continuation Insurance

Have you thought about what would happen to your business should you or your partner become disabled or die? To preserve your business in case of disability or death of a partner, a "buy-sell" agreement can make the difference between life and death of a business. A "buy-sell" agreement ensures your heirs can sell their share of the business to the surviving owners and that the surviving owners can buy their share. Each owner also agrees not to sell their interests without first offering it to the remaining owners at an agreed-upon price or formula. For sole proprietor businesses, we offer Sole Proprietorship Life Insurance. You may want to transfer your business to a successor, in which case life insurance purchased by your heirs can provide funds to pay estate taxes and help sustain the business during the initial period of new management. Or, if your employees are interested in carrying on your business, a buy-sell agreement can be funded with life insurance to assure that your family will receive the optimum value for the business. Stockholder Life Insurance:
We recommend that you use life insurance to create a pre-death buy-sell agreement certifying that if a stockholder should die, the remaining stockholders can purchase his/her shares at a fixed price. This will guarantee that heirs will receive cash for their inherited business interest and that surviving stockholders will maintain control of the business.

Other types of Business Insurance

In order to insure the assets of your business, you may need these types of business insurance: Building Insurance - building and improvements you have made to the building; Business Contents Insurance - covers personal property, stock and equipment; Crime Insurance - loss of money through crime or employee dishonesty; Equipment Breakdown Insurance; Computer Insurance - computers and media reproduction costs; Business Liability Insurance - premises, operations, products and completed operations; Personal Injury Business Insurance - libel, slander, defamation of character, wrongful eviction and invasion of privacy; Accounts Receivable Insurance - including a debt owed to an enterprise, arising out of the normal course of business dealings; Worker's Compensation; Loss of earnings or rents; Valuable papers; Glass; Signs; Medical Payments; Business Auto Insurance; Umbrella Liability Insurance; Employer Sponsored Pensions.

In addition to the above, we also offer the following products and services:

Mortgage protection
Real estate and mortgage assistance

Boat insurance

Recreational vehicle insurance

Flood insurance

Educational loans

Auto buying service

Home service plan

and much more.

I would be most happy to sit down with you and analyze your personal financial situation and provide you with a professional recommendation for financial security. Do not hesitate to call and make an appointment or to obtain further information on our fine insurance and financial services products.