Homeowners & Renters
Smart Insurance Agency is here to help you protect your home whether you own or rent. You deserve to have the proper coverage and our agents and staff stand ready to walk you through the process of insuring your home.
We offer a full suite of insurance products with full service and a smile. Having the right information so you can make calm and confident decisions about your insurance needs is what we are here to do.
Your home policy is made up of specific options that you can choose. How much you pay will depend on varying factors that include, but not limited to, limits, deductibles, coverage and more. We take the time to make certain you have a full understanding of everything your policy will include and how much you will pay.
Auto
What does it mean to have auto insurance in California?
As Californians, we rely on the dependability of our automobiles. So, when you encounter an auto accident it is important to know what your insurance policy covers and whether you can quickly get back on the road or not.
The State of California mandates that every driver and vehicle owner must have a state minimum amount of liability insurance coverage, but that is absolutely not enough to truly protect you. Do you know what those are? Don’t leave yourself exposed and contact us today to go over your options.
Life
Our agency promises to be here for your family through thick and thin, good and bad. That includes the day you leave this Earth. We are here to have that heart-to-heart conversation about how you would like your family taken care of through Life Insurance. Every situation is personal and different. We invite you to sit for just a moment to discuss your options and protect what matters most.
Remember that Life Insurance is Love Insurance
Umbrella
A personal Umbrella policy supplements the liability coverage you already have on your auto and home policies, providing an extra layer of coverage from losses that may not be covered by other policies. Your home policy must have certain limits in order for you to qualify. A brief review of your current policies, assets and potential risk exposures can help determine whether Umbrella insurance is right for you.
Earthquake
Living in California, Earthquakes are simply a part of life. Whether you rent or own your home, Earthquake insurance can truly save you.
If there is a large Earthquake that damages your home or dwelling, it will not be covered by your typical homeowners’ policy.
Earthquake Insurance will give you some much needed coverage to help you rebuild, replace personal property and “Loss Of Use” coverage so that you have some place to live while your are rebuilding, or looking to buy another home.
Landlord Policy
As a landlord with rental property, you have a unique business and asset risk that is not covered by your typical homeowner’s policy. When handing over possession of your rental property to a tenant you may or may not know, you want to be certain that not only the home is protected but also the income produced from your rental.
Short-Term Rental
When is a Short-Term rental needed?
When you are planning to rent your home out for a short period of time (e.g., Air BnB, VRBO, or personal rent-back), you want to be certain you have the proper coverage to protect you from financial liability, damages or losses during the short-term rental.