Schneiderman Insurance Agency offers a variety of business & personal insurance options. To get started, please choose your type of insurance you want below, or give us a call at 818-322-4744. You can expect a quote or call from one of our agents shortly.
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Enough to rebuild the home, which is a different figure from its market value and usually from the purchase price. Market value reflects land, location, and what a buyer would pay, none of which describes what construction would cost. A reconstruction cost estimate, based on the actual construction, materials, and finishes rather than a square-foot average, is what the limit should follow. Because that estimate depends on the specific property, review your individual needs with a licensed agent or qualified advisor rather than relying on a general figure.
No. The FAIR Plan is a separate insurer of last resort. We help clients obtain FAIR Plan coverage and pair it with a DIC policy, but we represent you, not the FAIR Plan.
No. Both are excluded from standard California homeowners policies and are written separately. Earthquake is bought as its own policy or endorsement, and the deductible is typically a percentage of the coverage limit rather than a flat amount, which makes it larger than people expect. Flood is written through the federal program or a private flood carrier, and new coverage normally has a waiting period before it takes effect. Both are worth deciding on deliberately rather than by default, since a standard policy will not respond to either.
Fire, including wildfire, is typically covered under a standard homeowners policy. In high-risk areas where standard coverage is limited, a FAIR Plan and DIC combination may be used.
There are a few things that help. The most useful is a comprehensive review of your policy and needs with your agent, because quotes for the same coverage on the same home can differ considerably, and comparing them only works if each is offering the same thing. Discounts are worth asking about, including placing your auto and home with the same carrier, and credits some carriers offer for security systems or protective devices. Raising your deductible is the other lever. A higher deductible lowers the premium, and the trade is that you carry more of a claim yourself. Ask us to show you the premium at each deductible the carrier offers so you can weigh the saving against what you would actually pay out of pocket at claim time.
The typical homeowners policy has two main sections: Section I covers the property of the insured, and Section II provides personal liability coverage for the insured. Almost anyone who owns or leases property has a need for this type of insurance. Usually, homeowners insurance is required by the lender to obtain a mortgage.
Covered losses under a homeowners policy can be paid on either an actual cash value basis or on a replacement cost basis. When “actual cash value” is used, the policy owner is entitled to the depreciated value of the damaged property. Under the “replacement cost” coverage, the policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.
An SR-22 is a certificate a court or the DMV may require to confirm you carry the state minimum. Ask us if you have been told you need one.
As of January 1, 2025, the minimums are 30/60/15: 30,000 dollars per injured person, 60,000 dollars per accident, and 15,000 dollars for property damage. Higher limits are often worth discussing.
It is not mandatory, but many California drivers add it because it may protect you when an at-fault driver has little or no insurance.
No. California does not allow credit-based rating for personal auto, so your credit is not used to set your auto rate.
Most states have insurance laws that require drivers to have at least some automobile liability insurance. These laws were enacted to ensure that victims of automobile accidents receive compensation when their losses are caused by the actions of another individual who was negligent.
It’s often the case that the cost of repairing the damages to an older car is greater than its value. In these cases, your insurer will usually just “total” the car and give you a check for the car’s market value less the deductible. Many people with older cars decide not to purchase any physical damage coverage.
Collision Physical Damage Coverage is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage.
Comprehensive Physical Damage Coverage provides coverage for most other direct physical damage losses you could incur, including theft. For example, damage to your car from a hailstorm would be covered under your comprehensive coverage.
A number of factors can affect the cost of your automobile insurance, some of which you can control and some that you can’t.
The type of car you drive, the purpose the car serves, your driving record, and where the car is garaged can all affect how much your automobile insurance will cost.
Even your marital status can affect your cost of insurance. Statistics show that married people tend to have fewer and less costly accidents than single people do.
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