California Star Insurance Service

California Star Insurance Service

California Star Insurance Service

California Star Insurance Service Inc. is an Independent Insurance Agency representing many different insurance companies for your insurance needs. It carefully selects its carriers in order to provide you with the best level of service, price and coverage. As independent insurance agents, you have the ability to choose the best carrier for your insurance needs. That is the main advantage to using an independent insurance agency, wit works to satisfy your needs.

Its goal is to educate and service the Santa Maria, California community and throughout the state of California. Through its independence, California Star Insurance Service Inc. strives to educate the community on the best options for their insurance needs. It can provide an assessment of your insurance needs with a choice of which package fits you best.

California Star Insurance Service Inc. are dedicated to providing oits customers in California with the best coverage at competitive rates. Just make one call to its agency, and it can shop your coverage through many top rated companies. With its professional staff, it can be your liaison with the insurance carrier in the event of a claim. California Star Insurance Service Inc. work for you, not the insurance company.

what is insurance options in California Star Insurance Service?

Auto Insurance

As an independent insurance agent, California Star Insurance Service Inc. can look at many companies to make sure you are getting the proper coverage for your situation at the best price.

• Personal and commercial auto insurance
• Permit and high risk drivers allowed
• Recreational vehicle (RV), camper, travel trailer, 5th wheel insurance
• Classic and collector autos as well as watercraft insurance
• It work with several insurance companies, including Mercury, Foremost, Kemper,  Farmers and Legacy.

From new permit drivers to experienced motorists, California Star Insurance Service Inc. can offer competitive rates without the agency fees, finance charges and hidden costs charged by others. You will also be supporting a local business that can offer face-to-face personal service as well as the latest online options.

Coverage options:

Collision and comprehensive (other than collision) coverages

Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.

• Collision coverage insures you against damage to your vehicle caused during an accident.
• Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Liability coverage

Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.

Medical Payments coverage

Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.

Personal Injury Protection

Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

Uninsured/Underinsured Motorist coverage

This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Optional coverage

Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.

Homeowners Insurance

The coverage you have depends upon the type of policy you have. Unlike auto insurance, where the policies are pretty much the same, homeowners policies can be quite different, depending on the “form” number. The most common types of homeowner policies are:

• HO1 Basic or Standard policy
• HO2 Broad form
• HO3 Special (also called Deluxe, All Risk)
• HO4 Renters policy
• HO6 Condo policy
• HO8 Older Home Policy

All homeowner policies are “package” policies. You get a group of coverages packaged into your policy for one overall premium. They include coverage on your building, your contents (furniture, clothing, etc.) and liability insurance in case you are sued, under the same policy. The property coverage is shown under Section 1, while the liability coverage is described under Section 2.

There is no better way to understand your homeowner policy than to read it!

A typical policy consists of three things:

1. The Declarations Page – that declares who, what and how much you are insuring, along with the date your coverage starts and the premium.

2. The Policy Booklet – printed pages that contain the details of coverages and exclusions.

3. Endorsements – separate pages, usually with endorsement numbers, that change (or endorse) specific parts of the policy.

Sometimes you are only given the original policy once in the beginning, then on renewal, to cut down expenses, you are just sent the dec. page (declaration page) with the bill. It’s a good idea to save the original policies should you ever need to refer to them.

More Detailed Information:

• The HO1 policy is very limited in coverage and is not being sold by most companies.

• The HO2 policy covers the basic perils of fire, lightning, explosion, smoke, hail, aircraft, riot, glass breakage, theft and damage caused by vehicles. It also adds additional coverage to broaden your policy. Those perils include damage caused by rupture of your water or heating pipes, falling objects (such as trees), collapse of the building, limit electrical damage to appliances and others.

• The HO3 policy is, by far, the most commonly sold policy. It covers everything the HO2 policy covers and more. Instead of listing the perils that are covered these policies cover all damage to the building except what is excluded.

The usual exclusions are: wear and tear, termites, rotting, collapse of septic tank, flood, war, earthquake and a few others.

Some HO3 policies are referred to as “Deluxe” , “Special” , “All Risk” policies depending upon the company.

Most policies cover your contents or belongings only for the perils named in an HO2 policy so wear and tear and normal breakage is not covered for your furniture and personal belongings.

Be careful! Your homeowner policy limits coverage on some items.

To keep the cost of insurance down your policy probably has limits on certain items. Typical limits are:

• Cash – $200
• Jewelry – $1,000
• Firearms – $2,500
• Silverware – $2,500

Check your policy carefully. If you see you don’t have enough coverage, find out how much it would cost to increase those limits or to buy special coverage.

Optional Coverage

In addition to special coverage for jewelry, silverware and furs, you can purchase specific coverage for such possessions as stamp or coin collections, fine arts, camera equipment, collectibles, watercraft and musical instruments, just to name a few.

Motorcycle Insurance

Since insurance companies take into consideration the many different factors that come when insuring your motorcycle in California, one company may be a better fit for you than the other. That’s why California Star Insurance Service Inc. compares the best insurance companies for you so you get insured with your perfect match.

These factors include:

• Driving record
• Credit History
• Your Age and Current Address
• The Type of Motorcycle
• The Number of Drivers

Most insurance companies offer coverage that is similar to your auto insurance policy, including bodily injuring and property damage liability coverage. You may also be able to include additional motorcycle insurance coverage including medical payments, comprehensive and collision coverage. Other options for coverage are for uninsured motorist coverage, which covers you in the event that someone injures you and does not carry insurance, or who may have insurance but not enough to cover your injuries.

Ask it about qualifying for discounts that could possibly lower your premiums. These discounts may include:

• Multiple policies with this company
• Safety courses that you may have taken
• Renewals
• Insurance on more than one motorcycle

Renters Insurance

Typically with any type of rental property (and particularly with apartments), there’s risky business involved when faced with potential claims.  Whether you (or a fellow tenant) have ever dealt with or are currently dealing with theft, water damage, or residual fire damage, there are many potential risks that can often frequent buildings, leaving your rental property in danger.  As renter’s low cost insurance is affordably priced and your possessions are of a priceless valuable, it want to help protect you from a possible loss in the event of a claim.

What Does California Renter’s Insurance Shield Against?

At California Star Insurance Service Inc., it know the primary concerns with renting a home or apartment.  Thankfully, its renter’s low cost insurance protects you from a wide range of threats and dangers that could occur with a rented unit. Upon purchasing renter’s insurance, you’re covering yourself against several issues, like fire damage, lightning, riots, aircraft, vehicles, smoke, windstorms, vandalism, theft, falling objects, water harm, electrical harm and more.

Choosing the Right Amount of Insurance

At California Star Insurance Service Inc., it can ensure that your valuables are insured. Once you determine the amount of coverage needed, it will customize a package to fit your renter’s insurance Santa Maria needs.  As with most types of insurance, your premium relies on your deductible and any extra coverage you decide to select.  In order to recognize the worth of your belongings, keep receipts along with an updated inventory of everything that you own.  Use caution not to underestimate their price and consider possibly photographing your items—keeping the files in a fireproof container or through cloud storage online.

how can i contact California Star Insurance Service?

California Star Insurance Service Inc.
2236 S Broadway Ste K
Santa Maria, CA 93454-7800

Phone: 805-266-7971
Toll Free: 888- 501-1213
Fax: 805-995-4910

Email: [email protected]

Website: calstarins.com

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