Offering a Wide Range of Insurance Products

Insurance in California is constantly changing. What works for you today may not work for you and your family in the future. Working with HIA, an independent agent, is a huge advantage for consumers. We can offer you different companies year after year to make sure that your needs are always being met. We do the legwork so that you can relax and enjoy life. It’s pretty simple. And saves you time. The additional bonus? We also save our clients buckets of money since we have the benefit of offering several companies for you to consider. It all begins with access to rates that only available to independent agents. And for you, access means options.

HomeOwners

Your home is the center of your daily life, and likely your most valuable asset.

When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Our agents can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Insurance for All Kinds of Homes

Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!

CA – What you need to know about homeowners insurance

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you. Type your paragraph here.

Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:

• What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
• How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
• Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.

Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.

Automobile

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event.

Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle. An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.

Insurance for cars, trucks, boats and more!

HIA can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us for more information today!

Based in California, our team understands the auto insurance needs of our customers.

Auto insurance requirements vary by state. In some states, to drive you must carry:

• Liability coverage – to pay for losses you cause others, or:
• No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
• Both liability and no-fault coverage.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

Every person is unique – talk to us today to find out how to get the best price and value on auto insurance for you.

Additional Coverages

Insurance protection for your family – and the future

Protect your family and your future with the right personal and life insurance.

Planning to keep your family secure – today tomorrow, and down the road? The right personal and life coverage is essential.

Hershfield Insurance is an independent insurance agency – meaning we do business with multiple insurance companies and compare protection and prices to find the best value for you. As your agent, we understand the details of planning needed and we’re committed to being your advocate in times of need.

Hershfield Insurance knows that in California, there are as many unique insurance needs as we have neighbors who live here! To talk with one of our helpful team members about your insurance needs, contact us today.

Personal Umbrella Insurance – Extra insurance protection for the unforeseen.
Whole Life Insurance – Life insurance coverage with a long-term investment.

 

Term Life Insurance – Insurance protection to help keep your family secure.
Health Insurance – Insurance coverage that helps take care of you.