Questions and answers

Since 2025 the state minimum is $30,000 per person and $60,000 per accident for injuries, and $15,000 for property damage. Many drivers choose higher limits, and an agent will help you pick what fits.

Your driver's license, the vehicle's year, make and model or VIN, and where it's parked. If you have a current policy, the declarations page helps us compare.

Ask the office about your requested start date. Timing depends on the insurer, eligibility and completed requirements. Wait for confirmation that coverage is active before relying on it.

Yes. Every registered motorcycle needs at least liability insurance.

Your license with the motorcycle endorsement and the bike's year, make and model.

Classic policies usually limit daily use. If you drive it often, a regular auto policy may fit better. An agent can compare both.

Liability usually follows the vehicle towing it, but damage to the trailer itself needs its own coverage. An agent will set it up.

Only small boats and in limited amounts. Most boats need their own policy.

Usually not once you ride it off your own property. A separate policy is the safer choice.

When the vehicle is owned by a business, used mainly for work, carries tools or goods, or is driven by employees.

Yes. Lenders need proof of coverage before closing. Give the agent your lender and escrow details and we'll send the documents.

Replacement cost pays what it costs to rebuild or replace today. Actual cash value subtracts depreciation, so it pays less for older items.

Many do. Check your lease. We can send proof of coverage to your landlord.

Usually each roommate needs their own policy. Some companies allow two people, so ask the agent.

It depends on what your HOA's master policy covers. Bring your HOA documents and an agent will help you choose.

The year, make and size of the home, where it's located, and whether it's on a foundation.

Many flood claims come from outside high risk zones, and heavy rain and mudslides happen across Southern California. Coverage outside high risk zones is often affordable.

If you have savings or property to protect, or higher liability risks, it's worth considering. It usually costs much less than people expect.

Most small shops, offices, restaurants and service businesses.

Yes. Current customers can call the office and we'll issue a certificate, including additional insureds.

No. General liability covers injuries and property damage. Professional liability covers financial losses from your professional work.

California can fine you, stop your business from operating, and hold you responsible for the injured employee's costs.

Soon after booking your trip gives you the most protection for cancellations.

No. Walk in during office hours, Mon to Fri, 9am to 7pm.

Yes. Many customers transfer the title and start their auto policy in the same visit.

In California it's usually three years, but the DMV or court sets your exact requirement.

Call us at (888) 400-4004 first so we can make sure a notary is available.

Call us or stop by the office and we'll explain the plans and set it up.