Property Insurance Information
Property & Casualty Insurance in California
Being properly insured is important because you never know what life will throw your way, and when things go wrong you want someone like Bone Robertson & McBride Inc by your side.
We are an independent insurance agency with one goal — to develop financial strategies with a focus on low costs and suitable benefit structures that help our clients make well-informed decisions. A good place to start with insurance is property and causality coverage, so let us help you get it today.
Call us at 800-510-1095 or request a quote now!
What is property and casualty insurance?
There are many different types of insurance out there, but property and casualty insurance are some of the most common. These types of insurance policies protect individuals and the property they own. Property insurance is for things you own, like a home or car, and casualty insurance protects you if you’re found legally responsible for an accident that has caused bodily harm to a person or damage to someone else’s property or belongings. Property and causality are often bundled together in one insurance policy to provide a more complete coverage.
What does property and casualty insurance cover?
Property and casualty insurance, aka personal insurance, covers a wide range of areas to protect someone in the event of an accident or incident. Available policy options include:
Homeowners insurance policies usually include dwelling, personal property, liability and other structure coverage. It helps protects your home and belongings against events like theft, storm damage and fire. Without homeowners insurance, you will have to cover an accident completely out of pocket, which could be catastrophic for your wallet.
Auto insurance, or car insurance, protects your vehicle and you in a variety of ways depending on what is included in your policy. Auto insurance is a requirement for car owners to have in most states, and you can be penalized for not having it. This type of insurance helps cover costs in the event of a car accident, or if something happens to your vehicle like hail damage, or theft. It can also cover liability costs associated with being at fault for an accident that harms others.
Renters insurance is for people who are renting property, like a house or apartment unit. While a landlord has insurance to protect their building, that will not cover a renter’s personal belongings or liabilities. Renters insurance will help protect a renter’s personal belongings from incidents like a water pipe bursting, a fire, theft or other unexpected events.
Motorcycle insurance is similar to auto insurance, and coverage can include a liability policy, physical damage coverage and more. A liability policy will cover the cost of damage to the property of others and their bodily injuries, and physical damage coverage will cover your motorcycle for theft and other things that are out of your control like wreck damage, vandalism, fire or hail damage. Plans could also include towing and roadside assistance coverage.
RV insurance policies cover direct and accidental physical damage to a motor home, including permanent accessories like awnings, antennas and satellite dishes. The policy will cover a range of events like collision, lightning, flooding, wind, hail, wild animals, fire, smoke, theft and trees. You can also adapt your coverage to ensure it applies if you are a full-time RV resident.
When would I need property and causality insurance?
Most adults will need to purchase property and causality insurance at some point in their lives. It is a smart investment to help you if anything unexpected happens like a car accident, a break-in or an incident where someone is injured on your property. If you are over the age of 18 and own a car, live in a place where you pay rent or own any other type of property, you will need some kind of personal insurance.
If you need help getting started with property and causality insurance, we can help find a plan that fits right for you. Contact us today to get started!