There are so many choices when it comes to competitive personal insurance in California. These choices can include deciding what kind of personal insurance coverage you need, what limits to buy, and what deductibles are right for you. We're able to help you manage the entire personal insurance purchasing process. We have licensed professionals who can guide you through the application process. We will also stand with you through the claims process to make sure your interests are addressed.
Most People are Familiar With the Following Kinds of Personal Insurance:
Condominium Owners' Insurance
RV and Motorcycle Insurance
Personal Umbrella Insurance
There are many others kinds of competitive personal insurance products that you might consider as you evaluate your personal risks. Some of these products can be added to your current personal insurance, or you may need a separate policy depending on your circumstances. The good news is that we can tailor personal insurance products to meet your individual needs. Let’s look at some of the unique personal insurance products available to you.
Travel insurance can be necessary if you're traveling abroad. Your health insurance will not cover you in foreign countries. Without travel insurance, an illness or injury abroad can turn into a financial disaster. Travel insurance will provide coverage to get you out of a country and other personal expenses in an emergency, as outlined in the policy.
Pet insurance is much like your own individual health coverage. If your pet is in need of veterinary services, pet insurance helps offset the expenses. Pet insurance typically costs up to a few hundred dollars per year, but varies depending on the breed and kind of pet you want to insure.
Collector Car Insurance
If you own a collector car, it pays to place the vehicle with a specialized insurer. Often the insurance premiums on collector cars are very competitive. Coverage can be written to cover the appraised value of the vehicle. These kinds of auto policies also offer reduced rates if you only drive the vehicle occasionally. We understand what kind of insurance the car owners need and how to protect their investment.
Event Cancelation Insurance
If you are planning an event for your church, non-profit, or even a wedding, you should consider event insurance. Event insurance can cover the lost revenue from a event being canceled. Coverage can include recovery of expenses for losses that are protected. Event cancelation coverage can cover your event if it is canceled because of weather, fire at the venue, the death of a key participant, and much more. Typically, such coverage only covers those expenses that are non-refundable.
Long Term Care Insurance
Long-term care insurance offsets expenses when someone needs assistance with activities in daily life such as bathing and dressing due to an accident, illness, or advancing age. Long-term care insurance can cover the individual at home or in an assisted living facility. Most long-term care expenses are not covered by Social Security, Medicare, or private health insurance.
Life Insurance for Your Spouse
When you think of life insurance, many people often think of coverage for the main breadwinner. However, in today’s world, it is important to have life insurance for both spouses. Consider the cost to replace a stay at home parent. All the tasks the stay at home partner completes will be expensive to replace. Life insurance rates are at all-time lows, so now is the time to consider life insurance.
Insurance for Your Rental Property
A standard homeowner’s insurance policy will not cover a loss of a rental property. If you own a rental property, you need a separate policy. A rental policy can include property coverage, vacant land coverage, and your legal liability arising out of the rental property ownership.
Extra Expense or Loss of Use
If your home is damaged by a covered loss, you may need to move out during the re-construction period. You can add coverage to your homeowner’s insurance to cover this exposure. This typically includes the cost to rent a home or hotel for a specific period. Coverage can also include the cost of food and other personal expenses. The coverage will have a specific limit that can be added to your homeowner’s insurance policy.
Identity Theft Insurance
Identity theft is one of the fastest growing causes of loss for individuals today. According to a 2017 Identity Fraud Study released by Javelin Strategy and Research, identity thieves stole $16 billion from 15.4 million US consumers last year. Identity theft insurance can cover the use of stolen credit cards, money stolen from your bank, use of your social security number, and unauthorized bank loans.1
Our team of professionals is ready to help you find the best possible combination of coverage, price, and service. Remember, your policy is only as good as your agent, so call us today!
LCK Insurance Agency is one of California's most prominent independent insurance agencies. They offer commercial business insurance, employee benefits, life & health insurance, and personal insurance.
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Leap | Carpenter | Kemps Insurance Agency provides Commercial Business Insurance, Employee Benefits, Life and Health Insurance, and Personal Insurance to all of California, including Merced, Atwater, Los Banos, Mariposa, Madera, Fresno, Modesto, Turlock, and Stockton.
CA License Number 0646081 | Licensed to do business in California, Arizona, Hawaii, Idaho, Montana, Nevada, North Carolina, Oklahoma, Oregon, Virginia, West Virginia and Washington.