Collective Insurance Solutions

Personal Auto Insurance provides coverage for any physical damage and/or bodily injuries resulting from an accident whether the accident is cause by you or another driver.
We will help you select the appropriate amount of coverage, to avoid being personally sued or avoid any out-of-pocket expense.
We will customize a policy for you policy to avoid any financial losses due to an accident.
Liability insurance provides financial protection in the event of a car accident and it is determined the accident is a result of the insured's actions.

However, a homeowners or renters policy will generally cover losses from fire following a quake.
If the fire makes your home unlivable, there may also be coverage for additional living expenses should it be necessary to live away from your home while it is being repaired.
Can I afford the cost of rebuilding or repairing my home if it is damaged as the result of an earthquake?
If the answer to any of those questions is "No, " then you may want to consider getting earthquake insurance.
We work with several insurance companies that specialize in Earthquake Insurance, and they offer very competitive rates.

Individual Health Insurance is coverage that you purchase for yourself or your family as opposed to obtaining it through an employer.
These insurance plans help pay for regular doctor checkups, long-term illness or injuries.
Each plan offers different co-pays and annual out of pocket expenses.
There are two ways to obtain this type of insurance: An "exchange" or directly from a health care company.
An "exchange" is a health insurance marketplace made up of a number of organizations through which health insurance can be bought.

Homeowners insurance provides protection from damage or loss of property caused by accidents and perils like fire, windstorms, hail, lightning, theft or vandalism.
It pays to repair or rebuild your home if it is damaged or destroyed by such perils, and pays for additional living expenses if such a tragedy were to happen.
It also covers you if your are held legally responsible for injuries to others or damage to their property when they are on your premises.
Dwelling coverage for the structure of your home excluding the land.

The purpose of Life insurance is to continue providing for your loved ones after your passing.
By having adequate Life Insurance, they will be able to maintain the lifestyle you currently provide for them.
If your partner were to pass on, imagine how difficult it would be to provide for your children on a single income versus a dual income.
Think about your fixed monthly expense such as mortgage payment, car payments, groceries, and education costs.
Would your significant other be able to cover these costs on their own?