A Personal Insurance Review & Update
California is a great place to live, work and raise a family. There are so many things to do that it may be hard sometimes to choose. Personal activities can include:
- Boating
- Skiing
- Hiking
- Camping
- Mt Climbing
- Fishing
- Motorsport racing
- Classic car collecting
- Spending time at the breach
- Visiting a park
- Going to a theme park
It is essential to have a personal insurance program that protects your lifestyle. Your lifestyle may have added risks that you need to make sure you protect. Here are a few examples.
Boating- if you own a boat you need to have watercraft insurance to cover the liability of operating a watercraft as well as for damage to the watercraft itself.
Classic Car Collecting – if you love that 1969 Mustang make sure you have the right kind of auto insurance that is designed to replace vintage or collectible cars.
Mt Climbing – Don’t wait till you are at the top of the mountain to think about health insurance. If you are a risk taker, you should have health insurance to protect you just in case you are injured.
Lifestyle Insurance Specialists
We understand that your lifestyle demands different kinds of insurance. We will advise you on the insurance programs that best fit your needs. We believe that insurance is a relationship, not just a policy. We will meet with you to educate you on your personal risks and then develop a plan to meet those risks.
Some Lifestyle Insurance Risks
Everyone is one social media. With this comes the risk of making an incorrect statement that might cause a third-party injury. Reputation management is important, especially if you have any assistance at all. Even a false accusation can be challenging to defend, and it will cost you considerable money to defend yourself, even if you are proved right.
Having an excess or umbrella insurance policy is an excellent way to help you in the event you need to defend your reputation. Umbrella policies often offer legal services that can help you through a problematic claim.
Identity Theft is one of the fastest-growing crimes in the United States. Your bank account and credit cards can be hacked without your knowledge. While there may be some protection offered by your financial institution, it will still cost you a considerable amount lot of time and money to restore your credit. Identity theft victims can often spend months or even years recovering from the crime perpetrated on their personal bank accounts and getting their personal credit ratings corrected. Protect yourself against identity theft with this advice.
Identity theft protection can be an important lifestyle insurance protection. Some homeowner’s insurance policies offer a limited amount of coverage. Call our team for a no-obligation review.
Risk of owning watercraft and other toys is something you need to insure. If you own a boat, jet ski, ATV, RV, motorcycle or some other toy it needs to be properly insured. An injury to a third party could run tens of thousands of dollars. You also have the risk of damage to your property as a result of a covered claim.
We can offer you coverage options for all your toys and related equipment. You will find that this kind of insurance coverage is very affordable.
Coverage for classic cars. If you own a vintage or classic car, you need a special kind of auto insurance that is designed for that specific vehicle. There is coverage that will pay on a stated amount, so in the event of a loss, you can obtain the best possible recovery as possible.
Does your lifestyle cause you to travel to foreign countries regularly? If so, you may want to consider international travel or trip insurance. Travel insurance can include medical coverage, trip cancelation, coverage for lost bags, medical evacuation, and even international auto coverage if you are renting a car.
We can help find the right foreign travel or trip insurance to meet your travel needs.
Regardless of your lifestyle, our team is ready to help you find the best possible combination of coverage price and service. All you may need is renter’s insurance; then, we are here to help. You may own a rental home and need specific coverage; we are ready to find a solution to your individual concern. You may own a special art collection and need coverage for that; again, we have answers for you.
Remember, insurance is a relationship, not a product. We are experienced, we live and work in your community, and we are good at what we do. Give us a call today.