Automotive Insurance is required by law.
|Coverage Type||California Requirements||Common Coverage Levels in California|
|Bodily Injury Liability||$15,000 limit per person/ $30,000 limit per accident||$100,000 limit per person|
|Covers expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.||/$300,000 limit per accident.|
|Property Damage Liability||$5,000 limit||$100,000 limit|
|Covers expenses related to the damage of another person’s property—like vehicles, homes, buildings and other structures—when an accident is your fault.|
|Uninsured Motorist||Not required||Bodily Injury: $100,000 limit|
|Covers medical expenses if you’re in an accident, the other driver is at fault and doesn’t have any insurance.||per person/$300,000 limit per accident.|
|Underinsured Motorist||Grouped with uninsured motorist coverage||Property Damage: $5,000|
|Covers medical expenses if you’re in an accident, the other driver is at fault and doesn’t have enough insurance.|
|Medical Expenses||Not required||$5,000 limit|
|If you and/or your passengers are hurt in an accident, this can cover your medical or funeral expenses.|
|Collision||Not required||$500 deductible|
|Covers expenses to repair or replace your vehicle that’s been damaged in an accident.|
|Comprehensive||Not required||$250 deductible|
|Covers expenses to repair or replace your vehicle that’s been damaged in situations like thefts or storms.|
Dwelling (Home Structure)
This type of insurance is what can help protect the physical structure of your home, like the walls and the roof. Required if property is financed
This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
Guest medical protection
This type of coverage can help cover the cost of medical expenses for a person who’s injured on your property.
Standard Allstate homeowners policies include additional protection. One example of this is reimbursed living expenses coverage, which can help cover increased living costs like hotel stays in the event your home is uninhabitable after a covered loss.
Renter’s Insurance protects your personal belongings.
Personal property coverage:
Covers your personal belongings if they’re stolen or destroyed by a fire, theft or other covered peril. It includes things like clothing, furniture, your laptop and other electronics—though you may want to opt for scheduled personal property coverage for especially expensive items and collections.
Scheduled personal property:
If something happens to your high-priced belongings, this covers them beyond the limits of what your personal property coverage will pay. You can add it to your policy to help cover an expensive piece of jewelry, your collection of audio equipment or other pricey items you own.
Reimbursed living expenses:
Helps pay for your increased living costs if a covered loss makes your home uninhabitable. That typically includes things like food and a temporary place to live.
Covers legal expenses, medical bills and other damages if someone gets injured at your place and sues you.
Guest medical coverage:
Covers reasonable and necessary medical expenses, like the cost of x-rays or an ambulance, if a person injures him- or herself in or around your place.
Identity restoration coverage:
If you become a victim of full-blown identity theft, it can be hard to pick up the pieces. If you add identity restoration coverage to your renters policy, you’ll have a fraud specialist to help
Protect your asset, Required if property is financed.
Personal property coverage:
Covers the possessions inside your condo or townhome, like furniture, electronics and clothes, if they’re damaged due to a fire, smoke, vandalism or other covered peril.
If someone sues you after being injured on your property, this helps cover your legal costs.
Guest medical coverage:
Covers x-rays, ambulance rides and other reasonable and necessary medical expenses if someone injures him- or herself while on your property.
Reimbursed living expenses:
Reimburses you for additional living costs if a covered loss makes your condo or townhouse uninhabitable. It typically takes care of food, a temporary place to live and more.
Building property protection:
Covers belongings that aren’t typically considered personal property, like cabinetry and appliances. These items are occasionally already covered on your condo association’s master policy.
Loss assessment coverage:
If something happens to your condo’s shared building or common areas that exceeds the condo association’s insurance limits, all unit owners may be required to pay an assessment toward repairs. This add-on covers your share of the loss assessment.
Identity restoration coverage:
It can be hard to recover financially if you become a victim of full-blown identity theft. Adding this coverage to your condo policy arms you with a fraud specialist to help.
Personal Protection for Self and Motorcycle
Bodily injury liability coverage:
Covers things like medical expenses and lost wages that result from the injury or death of another driver when you’re at fault. In some states, this liability extends to passengers on your motorcycle, too. In others, it may be offered separately.
Property damage liability coverage:
Covers damage to another person’s property when you are at fault. You may be liable for other vehicles, private residences, storefronts and other structures.
Covers reasonable and necessary medical expenses that are the result of any injury to you or your passengers, like ambulance rides and x-rays.
Personal injury protection:
This type of coverage can reimburse you for medical expenses, lost income, funeral expenses, childcare and more if you’re hurt in an accident.
Covers damages to your motorcycle that result from a collision with another object, which can include another car or motorcycle, a tree or a building.
Covers damages to your motorcycle NOT caused by a crash with another vehicle—things like flooding, wind, vandalism and theft. You’re typically covered for repairs up to the actual cash value of your bike. Plus, you get to choose your deductible.
Uninsured/underinsured motorist bodily injury:
If you get into an accident and an uninsured or underinsured driver is at fault, this covers your injuries as well as your passengers’. Different states have different requirements for this coverage.
Towing and labor:
Reimburses you for the costs of towing and related labor if your motorcycle breaks down or you get in an accident. Policies for Harley-Davidson, Touring and Touring Sport bikes include this coverage automatically, but you can buy it for other kinds of bikes.
Helps cover the cost of a rental if your bike is stolen or being repaired in the shop.
Motorcycle and off-road vehicle transport trailer damage:
Covers damage and loss of your trailer and motorcycle resulting from collision, rollover and most natural and man-made losses such as earthquakes and vandalism.
If your bike gets totaled or stolen, this pays the difference between what your motorcycle is worth and what you still owe on your loan or lease. To get this coverage, you need to have comprehensive and collision on the same policy.
Optional or added equipment:
With Allstate, your policy automatically comes with $1,000 worth of coverage on after-market upgrades. You can buy extra coverage up to $30,000.
Bodily injury liability
Protects you and other insured drivers if one of you injures or kills someone in a covered accident you’re legally liable for.
Property damage liability
Protects you and other insured drivers if one of you damages another person’s property in a covered accident you’re legally liable for.
When your motorhome is in a covered accident, this helps pay for the damages.
Covers damage to your motorhome caused by falling objects, fire, theft, vandalism, flood and some other non-collision losses.
A sound system permanently installed by the manufacturer is covered up to $2,500, minus your policy deductible.
Covers property in your motorhome when it’s damaged or destroyed due to fire or lightning.
Medical payments coverage
Covers necessary medical treatment if you, your family members or your passengers get injured in a covered accident.
Personal injury protection coverage (PIP)
If you, your family members or your passengers are in a covered accident, this takes care of reasonable and necessary medical, rehab or funeral expenses. It even covers work loss, survivors’ loss and essential services like household maintenance. The coverage varies by state, and you might hear it called “no-fault” insurance.
Uninsured & underinsured motorist coverage
If a driver who has no insurance injures or kills you, your family members or your passengers, this covers you. It also applies if the driver doesn’t have enough insurance to cover the damage they’ve caused you.
Towing and labor costs coverage
If your motorhome breaks down, this covers the cost of labor done on the spot and the cost of towing.
Rental reimbursement coverage
If something happens to your motorhome related to the comprehensive or collision coverage you have, this covers the cost of renting a motorhome or automobile in its place.
Watercraft medical payments coverage
Helps pay medical costs if you or anyone on your boat is injured in an accident.
Watercraft liability coverage
If there’s an accident, this covers the medical and other expenses of whoever was injured as well as the costs of repairing or replacing another person’s boat or property.
Covers the damage to your boat if you’re involved in an accident with another boat or something else, like a pier, buoy, dock or debris. It also typically pays for damage caused by something other than a collision, such as theft, fire or vandalism.
Covers the repair work done on your boat, motor, equipment or trailer with no deduction for depreciation*.
If your boat breaks down, this covers the cost of towing and labor and the cost of delivering fuel, oil or a battery.
Uninsured watercraft coverage
If you’re in an accident with an uninsured boater, this helps pay for injuries that you, your family or anyone else on your boat sustains.
Agreed value option
When you’re reimbursed for your boat’s value, you’ll be reimbursed for what it was worth at the start of the policy regardless of the current market value.
Personal effect coverage
Covers your fishing equipment and other personal belongings if they’re damaged, lost or stolen.
Additional boat equipment
Covers boat accessories, like anchors, life jackets and navigation gear, up to the policy limits.
Boat trailer coverage
Covers damages to your trailer resulting from an accident or other unforeseen incident
Covers your rental property and the structures attached to it, like a deck, if something should happen to them.
Other structures protection
Covers garages, sheds and other buildings that are separate from your rental property.
Covers you if you’re sued after an accident, damage or loss related to your property. For example, you might have a lawsuit on your hands if your tenant injures himself on broken stairs in your rental.
Fair rental income coverage
Helps pay the rental income you would otherwise lose if your rental becomes uninhabitable due to a covered loss and your tenants have to move out. You can keep the money coming in for up to 12 months while the unit is being repaired or rebuilt.
Premises medical protection
This type of coverage can help pay for reasonable and necessary medical expenses if someone is injured in an accident on your rental property.
If your rental is vandalized, this add-on can help cover the cost to repair or replace what was damaged. It also provides coverage for belongings used for the rental property.
In the event of a burglary, adding burglary coverage to your landlord insurance policy could help pay for the repairs or replacements your dwelling needs. It covers belongings used for your rental property as well.
Rental property under construction
If you’re renovating a rental property or building a new construction, this additional coverage could help cover the dwelling before it’s ready for occupancy.
When you’re fixing things up after a covered loss, adding building code coverage to your landlord policy could help cover the increased cost of enforcing any building codes, ordinances or laws regulating the construction, reconstruction, maintenance, repair or demolition of your dwelling.
Bodily injury liability
If someone gets hurt in an accident and you’re at fault, this covers the medical expenses.
Property damage liability
Covers the damages if you’re at fault in an accident that involves another person’s property. Usually, that includes things like vehicles, homes and buildings.
Reimburses the cost of repairing your ATV after damage due to a collision with another object, such as another off-road vehicle, tree or fence.
Covers damage to your ATV resulting from almost anything: flooding, wind, vandalism, theft and other events not involving a crash with another vehicle
Guaranteed Value™ Coverage
We’ll agree on a fair value for your client’s vehicle up front, and in event of a covered total loss, we’ll pay that amount minus any deductibles*. Guaranteed.
Expert Claims Handling
Hagerty adjusters are trained in classic car repair, plus we have a parts specialist on staff to track down hard-to-find replacements.
Classic and collector cars were made to be driven, which is why we allow for occasional pleasure and hobby-related usage.
Since we only protect classics, we can provide better coverage at a significantly lower price. Rates are up to 43% lower than standard insurance.**
Key Extras for Collectors
Emergency roadside service created specifically for classics, Hagerty Classic Car magazine and more.
Hagerty Valuation Tools®
Hagerty’s classic car and boat valuation tools provide values across four condition ranges, value changes over time, model history and more.
Collector Hobby Support
We work tirelessly so your clients will be able to enjoy their classics far into the future. We support the hobby through the Historic Vehicle Association®, the Hagerty Education Program at America’s Car Museum, and Youth Programs.
Coverage designed with your business in mind. Your Allstate® Business Auto Insurance coverages include:
Bodily Injury Liability
Helps protect you from paying medical costs, loss of income and funeral expenses of other people involved in an accident.
Property Damage Liability
Helps protect you from paying for the repair or replacement of another driver’s car.
Automobile Medical Payments
Helps pay for some medical costs or funeral expenses if you or anyone in your vehicle is injured in an accident.
Pays for damage to your vehicle if you collide with another car or something else, such as a building, bridge or tree. If someone hits your parked vehicle, this is considered a collision as well.
Pays for damage or loss to your vehicle caused by something other than a collision, such as theft, fire, vandalism, windstorm or hitting an animal.
Bodily Injury Coverage includes your injuries or death, or those of your drivers or employees driving your vehicle if it’s hit by a driver with little or no insurance.
Property Damage Coverage
Includes damage to your vehicle or property if you’re hit by a driver with little or no insurance. Not available in all states.
EXTEND YOUR COVERAGE
Allstate offers a variety of ways to extend your coverage, including:
Inland Marine Coverage
Provides affordable protection for your tools, equipment and merchandise while they’re in transit, in your vehicles or at the job.
Towing and Labor Costs
Pays for towing and basic roadside-assistance expenses — up to certain limits — if you’re stranded on the road.
Repays you for the cost of renting a car while yours is in the shop being repaired due to a covered accident — up to certain limits.
Sound System Coverage
Can protect your investment from theft or damage if you’ve installed a high-end sound system in your car. Limits apply.
Non-Owned Automobile Liability Coverage
Protects you for injury or damage by your employees while driving their own vehicles for your business operations.
Hired Automobile Coverage
Extends liability or physical damage coverage for vehicles you rent on a short-term basis.
ADDITIONAL COVERAGE, NO ADDITIONAL COST
• Broadened Insured
• Blanket Additional-Insured Protection
• Broad Supplementary Payments
• Fellow Employee Coverage
• Collision Waiver/Other Allstate Driver
• Temporary Substitutes/Leased Vehicles
• Lease/Loan Gap Coverage
• Glass Repair Deductible Waiver
• Blanket Waiver of Subrogation
Provides coverage for your building and/or business property, including the contents of your building, for direct physical loss in many situations.
Provides protection from legal liability as a result of a lawsuit or other covered claim.
Loss of Business Income
Can replace your business income for up to 12 months if you have to close because of damage to your building due to a covered loss. And you may qualify for extended business income for up to 30 days after you resume business.
Provides protection if your equipment is damaged from things like power surges and mechanical breakdowns.
Protects against losses from forgery, theft and vandalism. This protects your business assets.
Pays for the cost of replacing or restoring eligible electronic data that has been destroyed or corrupted by a covered cause of loss.
• Outdoor Signs
• Money and Securities
• Identity Theft Restoration
• Employee Dishonesty
• Home-Based Businesses
• Silver Endorsement
- Treatment for accidents, illness, and disease
- Treatment for allergies
- Cancer and chemotherapy
- Surgery, hospitalization and nursing care
- Laboratory and diagnostic tests including X-rays and MRI scans
Coverage A & B: Combined Single Limit (CSL) Dwelling;
Coverage C: Personal Property – ($100,000 min. required by California)
Coverage D: Loss of Use. – ($25,000 min. required by California)
Building Code Upgrade Coverage – ($20,000 min. required by California)
- Coverage for seasonal, vacant and rental.*
- Coverage for older units (no age restriction).
- Optional replacement cost coverage for units 10 to 15 years old.
- Coverage for stationary camper/travel trailer, hooked up to utilities, not transported or motorized (owner occupied or seasonal only).
- Enhanced coverage limits available
Optional endorsements for:
- Fixed Life
- Allstate Basic Term
- Allstate Basic Term NY
- Allstate Bridge UL
- Allstate Bridge UL – NYAllstate Lifetime UL
- Allstate Whole Life Advantage
- Allstate Whole Life Advantage – NY
- Crump Impaired Life
- Legacy Secure – NY (2010)
- Legacy Secure SL – NY
- TrueTerm – NY (2012)
- Ultra Index – NY (2008)
- Ultra Plus – NY (2007)
- Whole Life II – NY
Protective ProSaver Secure II Fixed Annuity
Voya Income Provider SPIA
Voya Secure Lifetime Income Annuity
Voya Single Premium Immediate Annuity
Equity Indexed / Linked Annuity
Voya Secure Index Annuity
Voya Secure Index Opportunities Plus Annuity
Voya Secure Index Outlook Annuity
AXA Retirement Cornerstone Variable Annuity
AXA Structured Capital Strategies Variable Annuity
Prudential Defined Income Variable Annuity
Prudential Premier Retirement Variable Annuity