True Pacific is a family owned and operated independent insurance agency serving California.
True Pacific agents are purpose driven to serve their communities by providing premium coverage at competitive rates through a variety of reputable national insurance carriers.
It believes that protecting your family and your asset’s comes first.
Independent agents represent more than one insurance company and can chose from a variety of companies to secure the best fit for their clients in both price and coverage.
A captive agent represents only one insurance company.
Its agents look for the most competitive price to match the best coverage provided.
what is insurance options in True Pacific Insurance Company?
The right auto insurance coverage helps safeguard your assets from loss, damage, and lawsuits.
You might not think of auto insurance as an investment in your future, but quality auto insurance is actually the foundation of a good financial plan. At True Pacific Insurance Services it always strives to protect you against the worst case scenario.
Your auto insurance policy should keep pace with life’s changes.
Your family goes through changes so you should have a policy that protects you through these changes. Whether you’re buying a new car or your teenager is about to get behind the wheel for the first time, you’re going to need auto insurance coverage with those needs in mind. In an auto accident one split second can change the lives of those involved forever and in today’s world of lawsuits, you need to be properly covered.
Auto Insurance Discounts
Are you a safe driver? Does your teenager have good grades? How far is your commute? Are you a college graduate? Public service employee? The answers to these questions and others may save you money.
You’ll need the basic coverage’s that prepare you for an unexpected loss or damage, as well as the coverage’s that give you a valuable safety net for your investment.
As the years go by, you’ll continue to invest in your home and improve its value. A major renovation, or weekend home improvement projects all contribute to increased value. In addition, many homeowners continue to acquire new valuables like jewelry and valuables that require added protection. So, it’s easy to see as one of its clients, you’ll get its professional file review so there are no surprises if a claim should occur.
Your Home Owners Policy
Homeowners policies are comprehensive policies that cover losses such as fire, hail, smoke, falling objects, vandalism, and theft of personal property. A home and auto policy combination with the same company provides a discount in the rates. Your home owner’s policy has four major areas of coverage:
• Structural: Covers damage to your home or dwelling.
• Personal Property: Covers damage to your items in or away from your home.
• Liability Protection: Covers your legal responsibilities for injuries or damage to other people or property.
• Additional Living Expenses: Covers cost for temporary housing, meals, etc while your home is being restored or rebuilt.
Complete an inventory of your home and personal belongings. If possible, make a list as well as take photos or video. Using two methods can help expedite the claim resolution process. True Pacific Insurance has an app that it can send to your iphone that will assist you with this. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
At True Pacific Insurance Services it insures homes rented to others, apartment buildings, townhouses, and condominium units held for rental. True Pacific Insurance Company appointed with companies that offer policies with great coverage’s in each of these rental situations. Coverage includes buildings, liability protection, and loss of rental income insurance. If your rental property is in a homeowners association, it can cover the loss assessment coverage needed with this type of risk.
Even renters need insurance coverage. Renters insurance provides coverage for your personal property and your personal liability as well. Rates for this policy are very affordable and provide a discount to your auto insurance with most companies.
The amount of life insurance you select should be dependent on your personal and financial needs. Generally, you should consider life insurance if you have:
• A spouse
• Dependent children
• Aging parents or a physically-challenged relative who depends on you for support
• Retirement savings that is not sufficient to ensure your spouse’s future financial well-being
• A sizable estate
• A business
Life changes. So should your life insurance policy.
As events happen in your life, your life insurance coverage may need to change to adapt to your current needs. Some life changes that may require you to evaluate your coverage include: marriage, divorce, a new baby, purchase of a new home, and retirement.
Types of Life Insurance
There are several different types of life insurance products available. The most common include term and whole life insurance.
• TERM LIFE INSURANCE
Term provides life insurance protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent life insurance, and is available in varying term periods with fixed premiums from a one- (annual renewable term) to 30- year period (level term). Furthermore, term insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
• WHOLE LIFE INSURANCE
Whole life is a form of permanent life insurance that remains in force during the insured person’s lifetime, provided premiums are paid as specified in the policy. Whole life insurance can build cash value.
Life Insurance Knowledge
Life insurance generally falls into two categories: Term insurance and Permanent insurance.
Term Insurance is designed to meet temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit, death benefit, if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage. Term insurance is also paired with permanent insurance to improve the coverage potential in a clients portfolio.
Permanent insurance provides lifelong protection. With a permanent insurance policy, you own the policy. As long as you pay the premiums, and no loans, withdrawals, or surrenders are taken, the full face amount will be paid. Permanent life insurance accumulates cash value that can be used to pay premiums if needed during the policy contracts or will be added to the death benefit when the policy pays the final pay out.
Remember, the best way to determine the amount and type of life insurance that fits your particular situation is to meet with a qualified and licensed life insurance professional from True Pacific Insurance Services.
Boat Insurance policies are specifically designed for all types of boats. Most of the boats on the water are under 26 feet in length. Only 3% of all the boats insured are over 26 feet.
You may qualify for some of these credits and discounts:
• Account credits (multi policy discount. Multiple policies with same compnay, auto, home, etc)
• Diesel fuel credits
• Safety equipment credits
• Safety course credits for safe boating, as well as coast Guard and Power Squadron courses.
• Experience in owning and operating a boat.
Most policies include:
• Physical Damage Coverage for your Watercraft, Motor, Equipment, and Trailer: Your personalized insurance policy provides coverage for you on an Agreed Value or Actual Cash Value basis. Your policy covers a wide range of hazards including theft, weather, fire, and collision. A live aboard endorsement can also be added to your boat policy.
• Liability Coverage: Financial and property assets are protected if the operation of your boat causes injury or property damage to others. True Pacific Insurance Company offers a wide variety of liability limits to meet your needs.
• Medical Payments: All friends and family you welcome aboard are covered. True Pacific Insurance Company offers coverage for water skiers and wake boarders as well.
• Emergency Assistance Coverage: Boat policies provide coverage for towing and labor costs when your watercraft is disabled.
• Protection That Travels With You: Boat policies offer generous navigational limits around the U.S. and Canada.
An umbrella insurance policy makes additional funds available above the limits present in your home, auto, and boat policies.
With monetary damage awards from lawsuits continuing to increase, an umbrella policy makes sense for nearly everyone.
Value of an Independent Agent
As independent agents, True Pacific Insurance Company represents companies that are willing to work with your unique situation. If you have home and auto policies from different companies, or have had difficulty getting an umbrella in the past, it can help you.
Unlike your home and auto policies that usually apply only in the United States, a typical umbrella policy follows you around the globe. You can injure someone or accidentally destroy property in another country and you’ve got coverage with an umbrella policy.
Commercial Property Insurance
Commercial property insurance helps protects you against unexpected interruptions to your business.
If you own a commercial building, replacement cost coverage is needed. Cost estimators are available but True Pacific Insurance Services recommends that you secure an appraisal from a third party to accurately determine the current replacement cost of the building. This is one place you don’t want to be underinsured.
Flood insurance is a separate policy needed to protect your property against loss caused by flood, as a covered cause of loss. Most commercial property policies and homeowners’ policies exclude flood insurance coverage.
• BUSINESS PERSONAL PROPERTY
This provides coverage for business personal property at a specifies location. If you have equipment that is frequently taken off site to other locations, our agents will suggest an inland marine policy (equipment or installation floater) to cover this. These are the “small things” that can turn into “big things” within an insurance policy so you need a professional agent handling this for you.
• BUSINESS INCOME (BUSINESS INTERRUPTION COVERAGE)
As a business owner you need coverage for lost profits and continuing fixed expenses that continue during business closure during the period the premises are being restored because of damage from a covered event, such as a fire.
Electronic Data Processing coverage is specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the cause of loss to include things like power surges and in some cases virus attacks.
how can i contact True Pacific Insurance Company?
• CA S.F. BAY AREA OFFICE
2099 Grand Street, Ste 2
Alameda, California 94501
• CA CENTRAL OFFICE
9298 Madison Ave
Orangevale, CA 95662