With all the insurance advertising these days, it may be hard to fully understand how personal insurance works and how to actually get the best combination of coverage, price, and service. Let’s start with the fact that as an independent agent we have access to more markets, greater options and in most cases competitive personal insurance products.
With that being said, we offer personal insurance coverage for all your individual and family needs.
Let’s get started with a number of questions regarding your insurance.
There are many ways to get a competitive quote on your personal insurance. You can go to our website and fill out a quick quote form or call our office and talk to a licensed professional who can provide you with many options including; limits, coverage and deductible options.
Your homeowners insurance is designed to repair or replace your home and personal property that is burned, stolen, damaged or destroyed by a covered peril. Replacement cost gives you the comfort that no matter what you paid for the item you will be able to replace it with a new item.
No, flood insurance needs to be purchased under a separate policy. We recommend flood insurance to anyone living in a flood zone, close to water that has flooded in the pat or close to any water, or any river. Once a flood occurs there is a thirty day waiting period before any coverage can be purchased.
No, if you drive your personal auto for Uber or any other taxi service, you will need a separate auto insurance policy. Also, if you rent your home on VRBO or other rental sites for side income, your homeowners insurance will not cover you. There are special insurance products for these kinds of risks; please call our office for more information.
If you drive on company business on an incidental basis, there is no need to adjust your auto insurance. If you are in outside sales, all you need to do is let your agent know, and the policy can reflect the risk. If you drive your vehicle as a delivery service for your employer, we will need to make adjustment to your auto insurance policy.
If you have any kind of changes in your marital status your personal insurance will need to be adjusted. For example, if you get married your spouse will need to be added to your auto insurance. It would be best to combine your auto insurance policies into one for coverage for both of you. These are some of the life changes that could require insurance coverage updates.
There are many things you do to reduce your auto and home insurance. If you call our office, we can provide you with how these actions will positively impact your personal insurance.
You can add family members of your household, but they all must live at the same address.
Insurance companies cannot cancel your insurance except for nonpayment of the premium or for a material misrepresentation of information on the application.
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.
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Merced Office
3187 Collins Drive
Merced, CA 95348
Phone: (209) 384-0727
Additional Contacts
Toll Free: (800) 221-0864
Fax: (209) 384-0401