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CALIFORNIA AUTO INSURANCE
Auto liability insurance is required by law in California but the amount of insurance you purchase is also important in protecting your assets and your family. Our aim is to ensure you have the right limits and coverage to match your individual needs. We can provide an insurance policy that includes liability coverage for others in addition to coverage that protects your car and medical expenses as well.
Following are the coverage offered on a California Auto Policy.
• Bodily Injury Liability - Covers injuries caused to other by you while operating a motor vehicle.
• Property Damage Liability - Covers property damage of others caused by you while operating a motor vehicle.
• Uninsured/Underinsured Motorist Liability - Covers injuries sustained by you if you are in an accident which is not your fault with an Uninsured/Underinsured motorist.
• Uninsured/Underinsured Motorist Property Damage - Covers damage to your vehicle in accident which is not your fault with an Uninsured Motorist (Only applies if you don't have comprehensive/collision coverage).
• Medical Payments - Waives your collision deductible if you are involved in an accident that is not your fault with an Uninsured Motorist (Only applies if you have collision coverage).
• Waiver of Collision Deductible - Waives your collision deductible if you are involved in an accident that is not your fault with an Uninsured Motorist (Only applies if you have collision coverage).
• Comprehensive - Covers damage to your vehicle by theft or vandalism as well as perils that are considered other than collision.
• Collision - Covers damage to your vehicle during a collision with other vehicles or objects.
Other coverage such as rental car, roadside assistance, special equipment and gap coverage can also be added upon request.
Below are some of the qualifying discounts:
• Good Driver Discount
• Group Discounts - Scientists, Engineers, Teachers, CPA, Physicians
• Multi-policy Discounts
• Good Student Discount
• Alumni Association Discount
• Auto Club member discount
• Credit Union member discount
• 4 Year College Degree discounts in qualifying fields
If you would like an instant quote with Mercury Insurance Co. or Safeco Insurance Co., please click one the applicable link.
If you would like a quote with Travelers Insurance Co., Allied Insurance Co. or Progressive Insurance Co., please complete our auto form and we will respond within 24 business hours.
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CALIFORNIA HOMEOWNERS INSURANCE
Van Duzer & Associates, Inc. has expertise with High Value Homes and hard to place risks. We will help secure insurance for homes that are located in Bureau Brush and not insurable in admitted markets. We will go over all your available options for coverage. If you home doesn't qualify for a full homeowners policy, we will put together a package that meets all your needs.
We will make sure that your home is insured to value so that in the event of a total loss, your home and personal belongings are protected at replacement cost values up to your policy limits.
Homeowners Insurance covers losses as a result of fire, theft vandalism, windstorm, lightning, hail, malicious mischief, civil riots, water damage(excluding flood), and personal liability.
Homeowners Insurance usually covers the following.
• Dwelling (Structure of your home)
• Other Structures (Detached garage, guest house, gazebo)
• Personal Property
• Loss of Use
• Medical Payments
• Personal Liability
We have expertise in securing insurance for homes that are located in Bureau Brush and not insurable in admitted markets. If you home doesn't qualify for a full homeowners policy, we will put together a package to meet all your needs.
There is additional coverage available for added premium that you can add to your homeowners insurance for jewelry, fine arts, silverware, and other valuables or collectibles. Please contact our office to get detailed information on this coverage if you would like more information.
Earthquake Coverage is excluded from a homeowner's policy
If you would like to obtain a Homeowners Insurance Quote, please complete our Homeowner's Form and we will respond within 24 business hours.
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CALIFORNIA CONDO INSURANCE
Your Condo Association has a Master Insurance policy that covers the actual building and upkeep of common areas and your Association dues help pay for the master policy as well as upkeep of common areas but they are not responsible for the interior walls, floors, personal property within your unit and does not include coverage for your own personal liability if someone is injured on your property.
Condo Insurance provides protection where your Condo Associations don't. Condo insurance can also cover any improvements or renovations you've made to the interior of your condo as well as your personal property, Loss Assessment and Earthquake Loss Assessment.
Homeowners insurance covers losses as a result of fire, theft vandalism, windstorm, lightning, hail, malicious mischief, civil riots, water damage(excluding flood), and personal liability.
Condo Insurance usually covers the following:
• Dwelling - Additions, alterations or improvements to the interior walls and floors
• Personal Property
• Medical Payments
• Personal Liability
The following are optional coverage that may be purchased upon your request:
• Loss Assessment - Helps pay for costs that are assessed to Condo owners by the HOA in the even of a loss by a covered peril.
• Earthquake Loss Assessment - Helps pay for costs that assessed to Condo Owners by the HOA in the event of an Earthquake loss. (You must purchase Earthquake Coverage in order to add Earthquake Loss Assessment.)
Earthquake Coverage is excluded from a Condo policy.
You may also add Earthquake Insurance Coverage to your policy with specific carriers or standalone coverage is also available, please navigate to our Earthquake section for more information regarding Earthquake Coverage.
There is additional coverage available for added premium that you can add to your homeowners insurance for jewelry, fine arts, silverware, and other valuables or collectibles. Please contact our office to get detailed information on this coverage if you would like more information.
If you would like to obtain a Condo Insurance Quote, please complete our Condo Form and we will respond within 24 business hours.
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CALIFORNIA RENTERS' INSURANCE
Whether your place of residence is a rented apartment, condo or home; Renters Insurance protects your personal belongings in the event of a loss. It also provides personal liability coverage for others in the event that they are injured while at your residence. It also helps pay for loss of use if you need to rent another place to live while repairs are made to your rental residence.
We suggest that you do a written inventory of your belongings as well as taking photos of you with your personal property. You should store the inventory list and photos off premise so you will have a copy if a loss occurs. It's much more difficult to remember everything you own in the event of a total loss plus carriers sometimes ask for proof that you own certain items so having photos of you with the items makes the claim go much smother and faster.
Doesn't my landlord's Insurance cover me?
NO!! Your personal property and personal liability exposure are your responsibility and yours alone. The landlord's policy only covers damage to the actual physical structure and the landlord's liability only.
Do I need Renters' Insurance?
YES!! Having renters insurance ensures that your personal property is protected. In the event of a total loss, the cost to replace everything you own can add up quickly. Renters insurance is very affordable and the average cost annually for coverage in the Los Angeles Area will cost $125.00 to $200.00. Depending on your deductible option and includes a personal property limit of $25,000. You may increase the personal property limit in $1,000 increments if you need a higher property limit.
Renters' Insurance covers losses as a result of fire, theft, vandalism, windstorm, lightning, hail, malicious mischief, civil riots, water damage(excluding flood), and personal liability.
Earthquake Coverage is excluded from a renters' policy.
You may also add Earthquake insurance directly to your renters' insurance policy with some carriers or purchase a stand alone policy.
For an instant quote with Safeco, please click on the Instant quote link.
If you would like a quote with Mercury Insurance Co., Travelers Insurance Co. or Allied Insurance Co., please contact us via email or phone and we will respond within 24 business hours.
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CALIFORNIA DWELLING FIRE INSURANCE
There are different policy options available for rental property. Most insureds purchase a Special Forms policy that includes coverage for Fire, Windstorm, Vandalism, Hail, Lightning, Malicious Mischief, Civil Riot, Water Damage (excluding flood), and theft coverage if the rental is partially or fully furnished.
Most Dwelling Fire Insurance covers the following:
• Dwelling
• Other Structures - If applicable
• Personal Property - If property is furnished
• Loss of Rents
• OLT Liability
Earthquake Coverage is excluded from a Dwelling policy
You may also add Earthquake Insurance Coverage to your policy with specific carriers or purchase a stand alone policy.
Please go to our Earthquake Tab for more information regarding Earthquake Coverage.
If you would like to obtain a Dwelling Fire Insurance Quote, please complete our Dwelling Fire Form and we will respond within 24 business hours.
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CALIFORNIA PERSONAL UMBRELLA INSURANCE
Umbrella policies cover any liability in excess of your underlying auto and property policy limits as well as other liability exposures not listed under the primary liability policy. Excess Uninsured motorist liability coverage may also be purchased up to a limit of $1,000,000 depending on the carrier.
You must also meet minimum liability limits on your auto insurance liability and comprehensive personal liability as required by each umbrella insurance carrier before purchasing coverage.
Why should I buy Umbrella Insurance and how much do I need?
You may not realize you need an umbrella policy but if you are involved in an auto accident where the damages exceed your auto liability limits or you are sued for a personal liability issues, you are putting your family and your assets at risk. The costs to defend a lawsuit alone can exhaust your personal liability limit. If you have umbrella coverage, you are secure in knowing you are protected.
Umbrella Insurance policy limits range from $1M-$10M and sometimes in excess of that depending on each person's needs. The average cost starts at $200.00 for $1M. The amount you elect to purchase will depend on your assets and your net worth.
If you would like assistance and determining your personal needs, please feel free to contact Van Duzer & Associates, Inc. and we will be happy to discuss the coverage further.
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CALIFORNIA EARTHQUAKE INSURANCE
Although Earthquake coverage is optional, we have such high exposure to damage when one occurs.
Earthquake is the one thing that happens without warning, we can prepare for the event itself but we cannot predict the amount of damage we will sustain in the event of one.
There are different types of policy coverage available depending on whether have homeowners, condo owners, renters or dwelling fire policy.
Basic Earthquake Coverage usually includes:
• Dwelling - Same limit as your Homeowners, Dwelling Fire or Condo
• Limited Personal Property - $5,000
• Loss of Use - $1,500
• Building Code Upgrade - $10,000
• Deductible Options - 10%, 15% or 20%
Earthquake Coverage for Renters does not include coverage for dwelling. Condo Owners can add Earthquake Loss Assessment to their Earthquake policy as an optional coverage upon request with most carriers.
There are comprehensive Earthquake policies that offer higher limits for personal property, loss of use and also include coverage for other structures.
If you would like to obtain an Earthquake Insurance Quote, please complete our Earthquake Form and we will respond within 24 business hours.
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CALIFORNIA FLOOD INSURANCE
Flood Insurance provides protection for your home and personal property cause by a flood (excluding water damage). Flood coverage is not included in any property policy so it must be purchases separately.
Depending on what Flood zone your property is located in, you may be required by your mortgage company to obtain Flood Insurance. Although it may not be required by all mortgage companies, flood coverage is important if you want to protect your home and belongings from heavy rain storms or any type of rising water.
Different types of policies are available based on the location and flood history.
•Standard Flood Insurance Policies
If you live in a community that is has been deemed a flood hazard, you will be required to purchase a standard flood policy by your lender. You may purchase building only coverage or add contents if you choose.
•Preferred Flood Insurance Policies
If you home is in a community that is not deemed a flood hazard zone, you may qualify for low cost preferred policy. While you are required to do so, purchasing a flood policy still provides protection for your home and contents from flood damage.
We can help you determine what type of policy your property qualifies for. Please contact Van Duzer & Associates, Inc. to receive a flood quote today.
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PERSONAL ARTICLES FLOATER INSURANCE
Jewelry, Fine Arts, Silverware, Musical Instruments, Coins, Collectible and other valuables such as specialty electronics such as cell phones, cameras and computers are considered personal property but are subject to sublimits under a homeowners', renters' or condo policy.
To ensure you are insured for the full replacement value, you may purchase a personal articles floater to guarantee that you will be reimbursed the full value of each item. The items insured under this policy would not be subject to any deductible and would be covered for all perils including mysterious disappearance and Earthquake. Your homeowner's policy only pays for these items if it is as a result of a named peril loss and would also be subject to any applicable deductibles.
We offer competitive rates for each item class. Please feel free to contact Van Duzer & Associates, Inc. for further details or if you'd like to obtain a quote.
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Whether you're interest is asset protection, mortgage protection or the welfare of your loved ones; it provides the security that you and your family are protected. There are different types of Life Insurance available depending on your needs. We can help you find the right policy for you.
Term Life Insurance
• Coverage for a specific 'term' or period of time
• Higher Coverage at lower premiums
• Can be renewed at expiration but subject to different renewal rate
Universal Life Insurance
• Permanent policy as long as premiums are paid
• There is no expiration date of a 'term'
• Can build Equity and have cash value
• Higher premiums than term life but has no expiration
Return of Premium Term Life Insurance
• Coverage for a specific 'term' or period of time
• Higher coverage at lower premiums than universal life
• Higher premiums than Term life
• All paid premiums returned to you at the end of the term if nothing happens
Why Choose Term Life Insurance?
People who choose term life have a strategy for long term net worth protection. They need specific coverage for a period of time to protect debt, mortgage and their loved ones. Most clients who have children usually purchase term life to protect their mortgage and family in the even that that something happens to them before their children are grown and able to take care of themselves.
Why Choose Universal Life Insurance?
Universal Life can earn cash over time and can be used in retirement years as cash assets. Universal Life policies don't have an expiration date so you may keep it until you decide you no longer want it or need it.
If you would like additional information or a quote, please feel free to contact us via email or phone and we will respond within 24 business hours.
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BUSSINESS OWNER’S PACKAGE
A Business Owner's Package (BOP) is a policy that combines Commercial Property and Commercial General Liability coverage for special types of small businesses. The BOP usually has greater discounts than if the polices were purchased separately.
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COMMERCIAL GENERAL LIABILITY
Business Liability & Medical Expenses
Provides Liability coverage for Bodily Injury, Medical Expenses and Property Damage arising from accidents on premises, business operations in progress. Bodily Injury includes sickness or disease and death in addition to accidental injuries. Property Damage applies only to claims from damage to tangible property or loss of use of tangible property not damaged.
Personal and Advertising Injurys
This coverage includes libel or slander; invasion of privacy; misappropriation of advertising ideas or style of doing business; or infringement of copyright, title, or slogan, all in the course of advertising the Insured's goods or services. Some of the newer policies do exclude copyright infringement so make sure to check with your agent.
Products and Completed Operations
Products hazard arises from the manufacturing or selling of a product such as an air conditioner. A compressor that our Insured sold and installed for the client may have been defective and caused a fire damaging the building. Completed Operations is a hazard that remains after the contractor has completed the job. In the air conditioner example above, if the compressor was improperly installed and later caused fire damage due to the improper installation, any resulting injuries or Property Damage would be said to emanate from the Completed Operations hazard.
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Commercial automobile insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy. Other requirements are ownership by a corporation, use in hauling goods for hire, and gross vehicle weight. Some small trucks can be owned and insured under a personal automobile insurance policy under specific circumstances.
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Most package policies provide a liability insurance limit of $1 million for any one loss and $2 million in any one year. For many businesses, this limit is inadequate for real economic security. As a result, additional layers of protection in million-dollar increments are readily available in today's insurance market for most businesses.
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From a minor incident to a major loss, your business property needs protection. Commercial Property Insurance protects your business against the loss or loss of use of company property. "Property" can include a variety of types: Buildings, Business Personal Property, Business Income or Business interruption, Computers, money, and valuable papers. Every business is different and requires a customized policy to ensure the proper coverage.
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Commercial earthquake insurance protects building owners and the potential loss of rental income in the event of an earthquake. Many building owners overlook earthquake insurance believing it is too cost prohibitive. However would it be more cost prohibitive to lose the rental income and have to pay for demolition and the cost to rebuild your building? How about bringing the building up to code due to earthquake damage?
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One of the most important considerations when insuring your apartment building is making sure that you have enough coverage to replace your building in the event of a loss. Building costs and materials have steadily risen over the years - you want to make sure that you can rebuild your important asset. We will help you determine the amount of insurance coverage you need. It is important to insure your building to the replacement value in order to assure you have proper coverage.
The apartment building owner must take into consideration liability insurance protection. It is important to recommend that your tenants have their own Renters' Insurance to cover their personal property and personal liability exposures.
PERSONAL INSURANCE
Van Duzer & Associates, Inc.
can assist in finding the Auto, Homeowners, Renters, Condos, Dwelling Fire, Earthquake, Flood, Umbrella, Personal articles Floater or Life Insurance tailored to your needs at a competitive price. We also offer Motorcycle, Off Road vehicles, Recreational vehicles as well as Boat Insurance.
We have insurance markets available for hard to place risks such as high value homes, homes located in Bureau Brush, California Non-Good drivers as well as Teen drivers.
However complex your insurance needs are, we are here to assist you in obtaining the best coverage for your individual needs and explain all your options in a concise manner. Rest assured that we will maximize all available discounts given by our carriers to get you the most competitive rates. Please feel free to visit each individual line of insurance by clicking on any of the icons below. If you would like speak to a representative of our agency, please contact our office directly and we would be happy to discuss it with you further.
AUTO
Auto liability insurance is required by law in California but the amount of insurance you purchase is also important in protecting your assets and your family. Our aim is to ensure you have the right limits and coverage to match your individual needs. We can provide an insurance policy that includes liability coverage for others in addition to coverage that protects your car and medical expenses as well. [read more]
HOME
Van Duzer & Associates, Inc. has expertise with High Value Homes and hard to place risks. We will help secure insurance for homes that are located in Bureau Brush and not insurable in admitted markets. We will go over all your available options for coverage. If you home doesn't qualify for a full homeowners policy, we will put together a package that meets all your needs. [read more]
CONDO
Your Condo Association has a Master Insurance policy that covers the actual building and upkeep of common areas and your Association dues help pay for the master policy as well as upkeep of common areas but they are not responsible for the interior walls, floors, personal property within your unit and does not include coverage for your own personal liability if someone is injured on your property. [read more]
RENTERS
Whether your place of residence is a rented apartment, condo or home; Renters Insurance protects your personal belongings in the event of a loss. It also provides personal liability coverage for others in the event that they are injured while at your residence. It also helps pay for loss of use if you need to rent another place to live while repairs are made to your rental residence. [read more]
DWELLING FIRE
There are different policy options available for rental property. Most insureds purchase a Special Forms policy that includes coverage for Fire, Windstorm, Vandalism, Hail, Lightning, Malicious Mischief, Civil Riot, Water Damage (excluding flood), and theft coverage if the rental is partially or fully furnished. [read more]
UMBRELLA
Umbrella policies cover any liability in excess of your underlying auto and property policy limits as well as other liability exposures not listed under the primary liability policy. Excess Uninsured motorist liability coverage may also be purchased up to a limit of $1,000,000 depending on the carrier. You must also meet minimum liability limits on your auto insurance liability [read more]
EARTHQUAKE
Although Earthquake coverage is optional, we have such high exposure to damage when one occurs. Earthquake is the one thing that happens without warning, we can prepare for the event itself but we cannot predict the amount of damage we will sustain in the event of one. There are different types of policy coverage available depending on whether have homeowners, condo owners, renters or dwelling fire policy. [read more]
FLOOD
Flood Insurance provides protection for your home and personal property cause by a flood (excluding water damage). Flood coverage is not included in any property policy so it must be purchases separately.Depending on what Flood zone your property is located in, you may be required by your mortgage company to obtain Flood Insurance. [read more]
P.A.F.
Personal Articles Floater Insurance: Jewelry, Fine Arts, Silverware, Musical Instruments, Coins, Collectible and other valuables such as specialty electronics such as cell phones, cameras and computers are considered personal property but are subject to sublimits under a homeowners', renters' or condo policy. [read more]
LIFE
Whether you're interest is asset protection, mortgage protection or the welfare of your loved ones; it provides the security that you and your family are protected. There are different types of Life Insurance available depending on your needs. We can help you find the right policy for you. [read more]
COMMERCIAL INSURANCE
Commercial (or Business Insurance) covers many different aspects of your business. Commercial exposure is broad and the type of insurance and coverage you choose is very important. Van Duzer & Associates, Inc. can design an insurance program for the smallest home-based business to large national companies. Whether it's a Business Owner's Package, Commercial General Liability, Commercial Auto, Commercial Property, Commercial Umbrella, Commercial Earthquake or Apartment Building Owners' Package, we will assist you in choosing the right coverage for your business needs. Below is brief summary of coverage for each type of insurance.
BUSSINESS OWNER’S PACKAGE
A policy that combines
Commercial Property and
Commercial General Liability [read more]
COMMERCIAL GENERAL LIABILITY
Busissnes Liability and Medical Expenses
Personal and Advertising injury
Products and Completed operations [read more]
COMMERCIAL AUTO
Commercial automobil insurance policy is require under most circunstances when the vehicle is used for business purposes and meet certain other requirements [read more]
COMMERCIAL UMBRELLA
Additional layers of protection in million-dollar increments are readily available in today’s insurance market for more businesses [read more]
COMMERCIAL PROPERTY
Protects your business against the loss or loss of use of company property, customize the proper coverage for your business [read more]
COMMERCIAL EARTHQUAKE
Many building owners overlook earthquake insurance, however would it be more cost prohibitive to lose the rental income + demolition and the cost of rebuild [read more]
APARTMENT BUILDING OWNER
We will help you to determine the amount of insurance coverage that you need, is important to insure your building to the replacement value in order to ensure you have proper coverage [read more]
