Anaheim California Auto Insurance

Anaheim California Car Insurance

Get affordable car insurance quotes in Anaheim, CA. Save up to 41% on cost when you compare auto insurance rates from top rated California companies.
Anaheim California Flood Insurance

Anaheim CA Flood Insurance

Low cost Anaheim flood insurance coverage quotes. Many California homeowners do not realize that their basic homeowners insurance does not include protection from flood damage.

Anaheim CA
Auto Insurance

If you cause an auto accident that injures someone or damages their property, Anaheim car insurance can help pay for the other person's losses and/or damages. If you were found at fault, you can be held responsible for costs associated with the accident. These may include; legal fees, the hurt person's medical expenses or their lost income compensation. Car insurance premiums after a DUI/DWI will cost more and without liability coverage (or adequate liability limits), you would likely have to pay these costs out of your own pocket.

According to the California Department of Insurance: Driving without insurance is illegal. Also, you must have liability coverage to register your car. Your insurance company tells the California Department of Motor Vehicles (DMV) if you buy auto insurance or if you stop paying your premium.

You must show financial responsibility for any vehicle that you own, in case of injury to other people or damage to their property. Most people show financial responsibility by buying auto liability insurance. Auto, Home, Flood & Business Insurance Quotes In Anaheim, CA. California law states, 'All drivers and all owners of a motor vehicle shall at all times be able to establish financial responsibility and shall at all times carry in the vehicle evidence of the form of financial responsibility in effect for the vehicle.'

Minimum Liability Coverage - By law, the limits below are the minimum insurance limits for a standard CA auto policy. You must have this much coverage:

Minimum Bodily Injury Liability Limits - $15,000 for the death or injury of any one person. If one person is injured in the accident, your coverage pays up to $15,000. A total of $30,000 for the death or injury of more than one person in any one accident. If 2 or more people are injured, the coverage pays up to $30,000. The coverage will not pay more. The injured people share the money. This coverage applies to injuries that you cause to someone else.

Minimum Property Damage Liability Limits - $5,000 for damage to the property of other people. This pays for damage you cause to someone else's car, or to objects and structures that your car hits.

Following are some of the most common car insurance coverages:

  • Comprehensive - Covers expenses to your vehicle for non accident damage like vandalism, thefts or a tree falling on your car.
  • Collision - Covers expenses for the damage or destruction of your vehicle in an auto accident.
  • Liability - Covers expenses for injury or death to a third party when you're at fault.
  • Property - Covers the cost of damages you cause, unintentionally, to someone else's property (car etc.).
  • Medical Payments - Covers medical expenses if you or your passengers are hurt.
  • Personal Injury Protection - Covers expenses related to injuries you sustained in a covered accident.
  • Uninsured & Underinsured Motorist Coverage - Covers your expenses if you are hurt and the other driver is at fault and doesn't have enough or any liability insurance.
  • Rental Reimbursement - Covers the cost of renting a car while your vehicle's in the shop.
  • Towing & Labor - Covers the cost of roadside assistance like towing, tire changes and jump-starts.

Here are some of the largest car insurance companies in CA: AAA, Allstate, American Family, Amica Mutual, Bristol West, Erie, Esurance, Farmers Insurance, Foremost, Geico, Hanover, Hartford, Infinity, Liberty Mutual, MAPFRE, Mercury, MetLife, National General, Nationwide, Progressive, Safe Auto, Safeco, State Farm, The General, Travelers, USAA Insurance, Wawanesa & Westfield.

Anaheim California
Homeowners Insurance

Homeowners insurance offers coverages that may help pay to repair or replace your home or belongings if they are damaged by certain perils, like fire, hail or theft. It can also help cover costs if someone who does not live with you is injured at your home.

Auto, Home, Flood & Business Insurance Quotes In Anaheim, CA. The California Department of Insurance says that the homeowners policy contains two sections. Section I provides property coverages (A, B, C and D) while Section II provides liability coverages (E and F). A brief description of the individual coverages follows:

Coverage A - Dwelling: Provides major property coverage that protects your house and attached structures if it is damaged by a covered peril.

Coverage B - Other Structures: This section covers other structures on the residence premises that are not attached to the dwelling. Items covered include detached garages, tool sheds, etc. Coverage B is normally limited to 10% of the coverage A limit. You can purchase more coverage for an additional premium.

Coverage C - Personal Property: This coverage provides protection for the contents of your home and other personal belongings owned by you and other family members who live with you. Coverage C is normally 50% of coverage A or is subject to an established amount agreed upon by you and the insurance company. Coverage is limited on certain types of property that are especially susceptible to loss, such as:

  • Jewelry
  • Furs
  • Fine Arts
  • Silverware
  • Antiques
  • Collectibles
  • Firearms
  • Money

Additional amounts of insurance may be purchased. You may want to consider scheduling these items separately on a California jewelry & valuables insurance policy (personal articles floater).

Coverage D - Loss of Use: This coverage will help with additional living expenses if your home is damaged by a peril insured against to the extent that you cannot live in your home. These expenses include, but are not limited to, housing, meals and warehouse storage. Coverage D is normally limited to 20 percent of Coverage A.

Coverage E - Personal Liability: This section of your Anaheim homeowners policy will provide coverage in the event you or a resident of your household are legally responsible for injury to others. Coverage E normally provides a defense and will pay damages, as the insurance company deems appropriate. There are some exceptions. The liability coverage will not protect you in all situations, such as an intentional act. All of the exclusions and specific language can be found in your policy.

Coverage F - Medical Payments to Others: This coverage pays for reasonable medical expenses for persons accidentally injured on your property. For example, if your child's friend slips down he stairs and is injured while playing in your home, the medical payments portion of your homeowner's policy may pay for necessary medical expenses. Medical payments coverage does not apply to your injuries or injuries of those who reside in your household. It is not a substitute for health insurance. Business activities are also excluded. All of the exclusions and specific language can be found in your policy.

California renters insurance and CA condo insurance are also available.

Anaheim CA
Flood Insurance

Flood insurance covers physical damage to your property and belongings from flood-related losses. Anaheim, California homeowners insurance typically doesn't cover flooding - where groundwater rises up and floods your home. If you're in an area that has a high flood risk, you should have flood insurance. Your mortgage lender might require you to buy it if you're in a flood zone. Auto, Home, Flood & Business Insurance Quotes In Anaheim, CA.

The National Flood Insurance Program (NFIP) recommends flood insurance because situations that cause flooding like; heavy rain, melting snow and severe coastal weather can happen all over. CA flood insurance covers your Anaheim home and your possessions inside, subject to certain limits.

Anaheim CA
Business Insurance

Business insurance can be expensive. Confusing. And very frustrating... If you don't have the proper advice. EK Insurance offers insurance guidance to help protect our Anaheim, California client's incomes and assets from legal liabilities including: accidents, theft, losses or lawsuits.

Every day, our Anaheim, California clients face risk. Good luck and positive thinking won't protect your home, autos or business from losses. Sadly, bad things happen to good people and responsible business owners. EK Insurance can assist you to evaluate the liability risks your business will likely encounter and help protect your business income and assets from legal liability and lawsuits.

Commercial insurance can protect you from some of the most common losses experienced by business owners such as property damage, business interruption, theft, liability, and worker injury. Purchasing the appropriate business insurance coverage can make the difference between going out of business after a severe loss or recovering with minimal business interruption and financial impairment to your company's operations. The cost of a liability lawsuit can be devastating to most small businesses - even if they did nothing wrong.

No matter what the reason you are being sued for, a the costs of litigation can be very expensive. There are:

  • Attorney's fees
  • Filing fees
  • Copying fees
  • Expert witness fees
  • Court reporter fees
  • Transcripts

And many other court costs along the way. These legal fees could add up to thousands of dollars fast - even if you successfully defend yourself, the case is dropped and you are not found liable.

That's why you need business insurance. Talk to an EK Insurance advisor today to help protect your business. Auto, Home, Flood & Business Insurance Quotes In Anaheim, CA.

Anaheim California Information

According to WikipediA: Anaheim is a city in Orange County, California, part of the Los Angeles metropolitan area. As of the 2010 United States Census, the city had a population of 336,265, making it the most populous city in Orange County and the 10th-most populous city in California. Anaheim is the second-largest city in Orange County in terms of land area (after Irvine) and is known for its theme parks, the Anaheim Convention Center, and its two major sports teams: the Anaheim Ducks ice hockey club and the Angels baseball team.

Anaheim was founded by fifty German families in 1857 and incorporated as the second city in Los Angeles County on March 18, 1876; Orange County would later be split off from Los Angeles County in 1889. Anaheim remained largely a rural community until Disneyland opened in the city in 1955. This led to the construction of several hotels and motels around the area, and residential districts in Anaheim soon followed. The city also developed into an industrial center, producing electronics, aircraft parts and canned fruit.

Anaheim's city limits extend from Cypress in the west to the Riverside County line in the east and encompass a diverse collection of neighborhoods and communities. Anaheim Hills is a master-planned community located in the city's eastern stretches that is home to many of the city's affluent. Downtown Anaheim has three mixed-use historic districts, the largest of which is the Anaheim Colony. The Anaheim Resort, a commercial district, includes Disneyland, Disney California Adventure, and numerous hotels and retail complexes. The Platinum Triangle, a neo-urban redevelopment district surrounding Angel Stadium, is planned to be populated with mixed-use streets and high-rises. Anaheim Canyon is an industrial district north of California State Route 91 and east of California State Route 57.

Anaheim California Auto, Home, Flood & Business Insurance Quotes

California Insurance

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