Personal Insurance Solutions

When you are looking for insurance as an individual or family to protect yourselves and your belongings, Personal Insurance is where you start. Personal insurance helps protect your personal property such as your car, house, contents, motorcycle, etc., as well as protecting you in case of injury or property damage to others using Personal & Umbrella Liability coverage. We have many options for this type of risk management, including comprehensive coverage from the world’s leading insurers to protect your family and personal possessions.

Besides helping you set in place the coverages you need, we also help you through the process of filing claims (an incident involving your car, house, motorcycle, etc.), billing (how you pay for your coverage), and mortgagee evidence given to lenders. Mortgagee evidence is sometimes required by lenders to be sure their borrower is insured before giving them a loan. Whatever insurance questions or problems you have, we can help. Read more about each coverage to see what policies could help your family.

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Automobile

Automobile Insurance is a must have for any household with a vehicle. It covers the liability and physical damage caused in the case of a car accident. Liability is a fancy term for being responsible for something and held accountable for it by law. When you are found at fault for accidentally damaging someone else’s property or causing bodily injury (in this case, usually a car accident), liability insurance covers you by paying for the damages to the other person.

While Auto Insurance can cover liability if someone else’s car is damaged, it can also help if your own car is damaged. Covering the physical damage to your own automobile is just as important to make sure repairs are paid for and your cars can get back on the road quickly. We offer various deductible levels for physical damage, and every repair cost after a deductible is met is covered. If you own 1 or 100 vehicles, we’re here to help you through the process of insuring your family vehicles. Download resource.

Earthquake

Earthquakes can cause major damage. That’s where Earthquake insurance comes in. If you live in a location with this type of natural disaster, getting coverage to protect your home and belongings from that specific kind of damage is important. Most other policies do not cover earthquakes, so be sure to check your coverage and add this policy. Download resource.

Fine Art Schedule

Many people have valuables they want to protect, and fine art pieces definitely fall in to that category. With a Fine Art Schedule policy in place, you can insure your valuables for a specific amount for however long you need. With an investment as priceless or sentimental as art, keeping it protected is a high priority. Download resource.

Flood

Floods can cause major damage. That’s where Flood insurance comes in. If you live in a location with this type of natural disaster, or even want protection from burst pipes, getting coverage to protect your home and belongings from that specific kind of damage is important. Most other policies do not cover floods, so be sure to check your coverage and add this policy. Download resource.

Homeowners

Protecting your home is one of the most important insurance policies you can get. Damage to your personal property can be overwhelming, but you shouldn’t have to worry about the cost of replacing things on top of recovering from losing your home or valuables. We offer various deductible levels for personal property coverage, and every repair cost after a deductible is met is covered. Download resource.

Jewelry Schedule

Many people have valuables they want to protect, and jewelry pieces definitely fall in to that category. With a Jewelry Schedule policy in place, you can insure your valuables for a specific amount for however long you need. With an investment as priceless or sentimental as jewelry, keeping it protected is a high priority. Download resource.

Mobile Home

Protecting your home is one of the most important insurance policies you can get. Damage to your personal property can be overwhelming, but you shouldn’t have to worry about the cost of replacing things on top of recovering from losing your mobile home or valuables. We offer various deductible levels for personal property coverage, and every repair cost after a deductible is met is covered. Download resource.

Motorcycle

Motorcycle Insurance is a must have for anyone sporting a motor bike. It covers the liability and physical damage caused in the case of a motorcycle accident. Liability is a fancy term for being responsible for something and held accountable for it by law. When you are found at fault for accidentally damaging someone else’s property or causing bodily injury (in this case, usually a motorcycle accident), liability insurance covers you by paying for the damages to the other person.

While Motorcycle Insurance can cover liability if someone else’s bike is damaged, it can also help if your own bike is damaged. Covering the physical damage to your own motorcycle is just as important to make sure repairs are paid for and you can get back to riding quickly. We offer various deductible levels for physical damage, and every repair cost after a deductible is met is covered. If you rely on your motorcycle as a daily driver or simply have one for fun, we’re here to help you through the process of insuring your bike. Download resource.

Recreational Vehicles

Recreational Vehicle Insurance is a must have for anyone sporting a fun vehicle that is not a typical car. It covers the liability and physical damage caused in the case of a vehicle accident. Liability is a fancy term for being responsible for something and held accountable for it by law. When you are found at fault for accidentally damaging someone else’s property or causing bodily injury (in this case, usually a recreational accident), liability insurance covers you by paying for the damages to the other person.

While Recreational Vehicle Insurance can cover liability if someone else’s vehicle is damaged, it can also help if your own vehicle is damaged. Covering the physical damage to your own recreational toy is just as important to make sure repairs are paid for and you can get back to having fun quickly. We offer various deductible levels for physical damage, and every repair cost after a deductible is met is covered. If you own 1 or 100 vehicles, we’re here to help you through the process of insuring your recreational vehicles. Download resource.

Renters

Protecting your home is one of the most important insurance policies you can get, even if you don’t own the home. Damage to your personal property can be overwhelming, but you shouldn’t have to worry about the cost of replacing things on top of recovering from losing your home or valuables. We offer various deductible levels for personal property coverage, and every repair cost after a deductible is met is covered. Download resource.

Umbrella

Having insurance is a great idea, but what if something over the top happens? What if your policy’s limits are used up? What then? That’s where Umbrella insurance comes in. In case the limits of your primary home, auto, or other policies are reached, you can purchase additional limits in the form of an Umbrella policy. Download resource.

Watercraft

Watercraft Insurance is a must have for anyone who owns a water vehicle with propulsion. It covers the liability and physical damage caused in the case of an accident. Liability is a fancy term for being responsible for something and held accountable for it by law. When you are found at fault for accidentally damaging someone else’s property or causing bodily injury (in this case, usually a watercraft accident), liability insurance covers you by paying for the damages to the other person.

While Watercraft Insurance can cover liability if someone else’s vessel is damaged, it can also help if your own vessel is damaged. Covering the physical damage to your own water vehicle is just as important to make sure repairs are paid for and you can get back on the water. We offer various deductible levels for physical damage, and every repair cost after a deductible is met is covered. This policy can also help with wreckage retrieval and fees for a fuel leakage. Download resource.

Frequently asked questions

What does Homeowners insurance really cover?

Your homeowners’ policy will cover repairs or rebuilding of your home is damaged by fire, hail, lightning, or other perils listed in your policy. A standard homeowners’ policy does not cover damages caused by earthquake, flood, or normal wear and tear. Dwelling – Coverage A: Provides coverage for the main structure on your property. Losses are subject to modified or extended replacement cost. Other Structures – Coverage B: Covers any structures that are not attached to the main dwelling structure. Personal Property – Coverage C: Protects all household furnishings. Loss of Use/Additional Living Expense – Coverage D: Protects you against the added cost you incur in the event a covered loss leaves your home uninhabitable. Personal Liability – Coverage E: Protects you in the event a claim is made or suit is brought against you because of bodily injury or property damage to a third party where you are at fault. Under your basic homeowners’ insurance policy, personal liability coverage may protect you under the following circumstances, up to your policy limits:

  • Lawsuits you may face if an accident occurs
  • Bodily injury to an individual
  • Property damage that occurs as a result of your negligence

Premises Medical Payments – Coverage F: Provides medical coverage for any person other than a regular resident or employee, who is injured on your premises regardless of who is at fault. The purpose of medical payments coverage in your homeowners’ insurance is to cover a medical injury caused by you or a family member.

If my roommate and I rent an apartment, do we both need renter’s insurance?

Both you and your roommate have your own belongings, and neither of you has insurable interest in the property owned by the other. In order to insure your property, you will need your own policy. More importantly, the renters’ policy provides Personal Liability coverage to protect you should someone become injured at your home/apartment, or if you accidentally hit someone at the golf course or trip someone at the restaurant.

What questions should I expect to answer when applying for insurance?

Info about vehicles including odometer reading and estimated annual mileage. Info about drivers including birthdays and license numbers. Property policies will require info about dwelling including year built, foundation type, square footage, alarm, roof type, renovation years, dog breeds in home, and claim history. We are able to pull some information off of home listing sites such as Zillow for newly purchased homes but might require you to provide additional information if your home is older and few details are available online. An info questionnaire is available upon request.

What determines the cost of my auto insurance?

There are many factors that come into play when determining the cost of auto insurance. The year and value of vehicles, your chosen limits of coverage, and your age and past driving record are all rated to determine your premium.

What should I do if someone gets injured on my property?

After getting the appropriate medical attention, get their name and contact information and reach out to your agent with a description of the incident or any photos you might have. They will be able to submit a claim on your behalf.

Am I covered if my dog hurts someone?

If your dog injures someone other than yourself or residents of your home, yes, your Personal Liability coverage found in your homeowners’ policy will respond to the claim. Many insurance carriers exclude coverage from certain dog breeds. Be sure to check with your agent.

Is my boat still covered when it’s on the trailer behind my car?

Most homeowners’ policies provide some limited coverage for watercraft and trailers with endorsement. Be sure to properly insure your boat. The limited coverage provided in a homeowners’ policy will often not cover for theft if stolen away from your home.

How much auto liability coverage should I have?

A recent study indicated that the average compensation paid as a result of a serious auto accident injury was $352,396. The average for severe injuries was $747,188. People often mistakenly think that the amount of coverage should be based on the amount of their assets. A large claim can often bring financial ruin. This is why we will always recommend that you obtain an Umbrella/Excess Liability policy.

Do I still need insurance if my car is old and doesn’t have much value?

Yes. California requires drivers to carry at least the following auto insurance coverages: Bodily injury liability coverage: $15,000 per person / $30,000 per accident minimum. Property damage liability coverage: $5,000 minimum. Uninsured motorist bodily injury coverage: $15,000 per person / $30,000 per accident minimum. Although a person may be able to lose or do without an old run down car should it be damaged in an accident, it could be financial ruin should you be involved in an at fault accident without liability coverage. Ask your agent about the options available for liability only insurance.

If I have personal property coverage, are my pets covered too?

You may have paid dearly for Fido, however, your dog is not considered covered property under your homeowners’ policy.

How does rental car coverage work?

When your car becomes inoperable from a claim, if your policy provides rental reimbursement (also called loss of use), you are provided a specific limit of reimbursement for using a rental during that time. This coverage is available for a small additional premium. If you were renting a car for a vacation, should you damage the vehicle, you will be responsible for the same deductible that you have on your own vehicle.

Testimonial by Mike & Mellyn Savage

We have been with Garland, Sturges & Quirk for over 20 years. They are always extremely helpful and thorough. They have walked us through new policies, claims, and difficult-to-insure property. We appreciate that Nicole is quick to answer questions, both by phone and email. We highly recommend Garland Sturges and Quirk for your insurance needs!

Mike & Mellyn Savage

We can help find the perfect solution for you.

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