Robert Bell Insurance Brokers offers the personal insurance products you need. Our professional agents will consult with you on the coverage and premiums that meet your specific needs. Feel free to get in touch or get a quote today.
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy also provides protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with one of our experienced Account Managers to determine the best car insurance coverage option for you.
Insurance for all kinds of vehicles
Robert Bell Insurance Brokers can insure your personal vehicles including a motorcycle or classic cars, motor home & RV, boat & jet ski, and ATV. Contact us for more information today.
What kind of insurance do I need?
The state of California requires every driver and vehicle owner to have a minimum amount of liability insurance coverage. Even drivers with an out-of-state license or no licenses at all still have to abide by these insurance requirements while driving in the state.
A liability insurance policy covers the cost of damage to property and/ or bodily injury if you are at fault for a car accident. The minimum amount of California liability coverage required for private passenger vehicles is:
$5,000 for property damage
$15,000 for injury/ death to a single person
$30,000 for injury/ death of more than one person
Other types of auto insurance that aren’t required by law, but you may want to consider include:
Collision insurance coverage
Uninsured and underinsured motorist coverage
If you have an auto loan your lender may require that you have comprehensive and/ or collision coverage.
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage typically comes with an insurance deductible which is the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive (Other than Collision) Insurance
Comprehensive coverage is very similar to collision coverage – the main difference is that comprehensive covers damage caused to your vehicle caused by any unknown party or “act of God”. Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive automobile insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). Although it’s not legally required, you will probably need it if your car is financed.
Every person is unique. Talk to us today to find out how to get the best price and value on auto insurance for you.
Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your home insurance claim settled by an insurance company that understands this simple fact. Coverage availability and prices may vary by company. Robert Bell Insurance Brokers can help you determine which of several companies we represent will best meet your needs and provide the most valuable combination of tailored homeowner insurance coverage, quality service and fair pricing.
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. Depending on where you live – a house, apartment, or condo – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and belongings. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Home Insurance Policies
Homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which insurance policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
Types of Coverages
The five types of homeowner insurance coverage are:
Structural — Covers damage to your home or dwelling.
Personal Belongings — Covers damage to items in or on your home or dwelling.
Liability Protection — Covers your legal responsibility for injury or damage to other people or property.
Additional Living Expenses — Covers costs for temporary housing, meals, etc., while your home is being restored or rebuilt.
Earthquake — We do live in California. Need we say more.
Structural and Personal Belongings coverages are available on an actual cash value (ACV) basis or at full replacement cost. ACV coverage considers the current market value of an item based on its age and condition. So, if you purchased a television for $400 four years ago, the value today would be significantly less than it was when you purchased it. ACV coverage would depreciate the item’s value to determine the current value. Full replacement cost considers the current cost to replace an item.
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your homeowners insurance policy doesn’t cover damages caused by poor or deferred maintenance on your part.
This type of insurance is for all sorts of vehicles that you can play with like boats and jet skis, motor homes and trailers, dirt bikes and ATV’s.
Recreational Vehicle Insurance is a coverage plan that can help you protect your motorhome and your travel trailers in case of damage or total loss. Depending on the size of the RV and how much time you spend on it is the insurance plan you should get. Recreational Vehicle insurances work quite similar to car insurance. Just like with other vehicles, this can protect you in different scenarios. The most common types of RV coverage include collision, comprehensible and liability coverage. This means that if you damage or destroy someone else’s with your RV, the insurance company might take care of the expenses for you. Also, if your RV gets damaged or destroyed, they will cover you, too.
Besides the basic coverage you should get for your RV, there are more specialized options that you should consider. These options include total loss replacement, customer equipment, roadside assistance, vacation liability, and personal effects.
Umbrella Insurance is a secondary type of liability insurance that covers your personal liability above and beyond the standard liability you have taken on your homeowner policy. Umbrella liability can cover you on multiple properties and cars depending on what coverage you select. Also known as a personal excess liability insurance policy, this type of policy is not a stand-alone policy which is why it is known as a secondary policy. Umbrella insurance gives you added liability protection for lawsuits and claims that arise against you.
It is an inexpensive way to protect your financial future or established assets. Personal Umbrella Insurance kicks in when your base policy liability limit is not enough. It protects you above and beyond the limits on your homeowners or condo insurance, car insurance, watercraft or other personal insurance policies.