Waring Insurance has been insuring all of California for more than 45 years
Call for Quote! 626 331-0936
Waring Insurance has been insuring all of California for more than 45 years
Call for Quote! 626 331-0936
About Us
Protecting Futures
At the Waring Insurance Agency, we help Californian residents protect the possessions they have worked hard to obtain. At our agency, we put our customers first and offer you our years of experience and expertise, so you make informed decisions about the types of coverage you need. Furthermore, if the unthinkable happens, we provide insurance coverage to give you peace of mind knowing that you can have insurance as a safety net.
Contact us today to get a free no-obligation quote for your home (even if they are in the mountains), auto, condo, and RV. We can help you find the coverage you need to protect yourself in case a disaster or peril occurs.
Mountain Area and Hard to Place Homes
Do you have a mountain area or hard to place property to insure? Let Waring Insurance Agency provide you with a comprehensive proposal that provides all the necessary coverage you need to protect your valuable investment.
Auto Insurance
In an auto accident, coverage is available to help repair your vehicle. Even if the other driver in the accident is liable, we provide coverage to keep you and your family protected. Furthermore, at the Waring Insurance Agency, we offer California customers insurance policies to cover medical expenses even if the party who wrecked your car has no insurance coverage.
Home, Condo, Renters and Flood
Cover your home, mountain home, and additional structures on your property with us. Furthermore, we can help you recover after a catastrophic loss due to a flood. Lastly, we give you the confidence to know that we have you covered if a catastrophe happens to your condo or rental residence.
Business Insurance
There is much stress in running a business in this ever-changing economic climate. Therefore, it is crucial for business owners to have adequate insurance coverage to cover their business structure, vehicles, and equipment. Furthermore, business owners can get the satisfaction of knowing we have back in case of a lawsuit or lost business income due to a covered peril.
Our Team
Staff W.
If you are a California resident seeking insurance to secure your assets, contact us today at the Waring Insurance Agency. We offer friendly and knowledgeable service customized to meet your needs.
Commercial Insurance
The business community in California has been growing at a tremendous rate. Every day, investors and entrepreneurs realize that this is a great location to set up shop. If you are among this group, you are set for an exciting journey ahead. But along with the many financial responsibilities you have, do not forget to insure your business. There are many risks that companies get exposed to, and the only thing standing between them, and a financial loss is insurance coverage. To make things easier, the Waring Insurance Agency explains the different types of commercial insurance.
Commercial Auto Insurance
Does your business own a vehicle used for operations? If so, you need to get commercial auto insurance. If you or your employee is driving and causes an accident, the policy will cover medical and property damage expenses.
Commercial Property Insurance
Every business owns property such as inventory, office furniture, equipment, tools, and the building. With this coverage, you can protect your property from certain risks such as fire, theft, or lightning. Even if you run a home-based business, it is still vital to protect the property you are using for the company.
Workers’ Compensation Insurance
You can protect your employees by getting this coverage, which comes in handy if they encounter a work-related accident. The policy will cover their medical expenses, allowing them to recover quickly and get back to work. This policy is significant in high-risk careers such as construction.
Business Income Insurance
This type of commercial insurance helps your business replace its lost income if forced to close down temporarily because of covered property damage. For instance, if there is a fire and your company is no longer operating and generating revenue, the policy will compensate you for lost income.
At Waring Insurance Agency, serving the people of California, we are ready to talk with you about your business’s insurance needs. Give us a call today, and our team of skilled agents will gladly help you find coverage that offers adequate protection.
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Homeowners
Waring Insurance Agency Offers Home Insurance for California Homeowners
For many people, a home is their largest investment, especially if they live in the mountains. That investment can be protected with insurance that helps to defray the repairs and restoration costs when a damaging event occurs. At Waring Insurance Agency, we offer a range of insurance options to fit your coverage needs and budget.
Home Insurance Is Important for Your Home
If you have a mortgage on your home, your financial institution will require you to carry insurance coverage on the property to protect their interests. But even if your home mortgage is fully paid, insurance is still needed to protect you against expensive losses due to weather events, accidents, and other hazards. Insurance allows you to get your home repaired or restored quickly to resume your normal activities with minimal disruption. The funds provided by insurance avoid depletion of your savings and can help to prevent taking on debt for repairs.
You Can Choose from Many Levels of Coverage
Home insurance policies range from the very basic to very extensive coverage of a wide range of risks. Having a home in the mountains may come with additional risks. Basic policies will provide coverage for damage to the structure of your home for several common types of risk. Other policies will cover the contents of your home and legal liabilities that you may be vulnerable to if someone is injured on your property. Other policies will also provide funds for a temporary shelter while your home is restored. The types of hazards covered by your home insurance will have a bearing on the cost of your premium, so you should carefully consider the various levels of coverage and how they will affect your budget.
Make Waring Insurance Agency for Your Home Insurance
If you have questions about the many options available for insurance, our experienced agents can advise you on the best coverage for your needs. We offer a variety of policies for home, vehicle, life, and business. Contact Waring Insurance Agency today for a free, no-obligation quote on coverage to protect your home..
CONDO
Waring Insurance Agency serves California with the condo insurance its homeowners need to protect their personal property and condo renovations, plus provide themselves with the liability protection to cover accidents at their home.
California Condos Prove Popular
Many individuals and families in California choose the convenience and low-maintenance living of a condo. Most condominium complexes offer shared public green spaces and amenities like a swimming pool that provide their residents with recreational spaces without having to care for a yard.
Complex vs. Resident Insurance Policies
The condo complex provides the insurance for these public spaces, but each resident must purchase condo insurance to protect their home. This insurance provides the same types of protection for the condo owner as does the homeowners’ policy that the condo complex purchases.
What Your Condo Insurance Protects
Your condo policy provides personal property coverage that protects your belongings inside your condo and on or in related spaces you also purchased. For example, many condos include a storage unit at the complex, a garage, a patio, or a balcony that attaches to the condo.
Personal Property
Your condo insurance policy covers all of the items you own stored in any of those spaces. It also protects the damage or loss to property owned by your guests. That means if your sibling spends the weekend with you and, while you’re out together, an individual robs the condo, their belongings receive the same coverage as yours.
Liability
Condo insurance also provides liability protection. Using the same guest scenario, let’s say that instead of a robbery, your sibling slips and falls in the shower, breaking her arm. Your condo insurance covers her medical bills and physical therapy.
If your sibling had incurred more extensive injuries and needed to file a lawsuit to receive proper compensation, your condo insurance policy would cover the court costs and legal fees and pay the settlement up to the amount you chose to insure yourself when you purchased the policy.
This policy also covers other types of liability, such as if you libel a person. Because of its versatility and strong protections, condo complexes typically require the purchase from their residents.
Contact Waring Insurance Agency
Contact Waring Insurance Agency today to obtain a custom condo policy that provides your California home with the protection it deserves. Protect your financial security with a condo policy that ensures you’re insured against losses regarding your home.
FLOOD
Floods are considered the most common natural disaster in the United States. Your house is more likely to be damaged by flood than by fire, especially if you live in such a flood-prone state as California. If you are currently looking for a flood insurance policy to protect your property and personal belongings, here is what you need to know about this type of insurance:
What Should You Know About Flood Insurance?
- You may have to purchase flood insurance to get a mortgage. Many mortgage lenders require you to have proper flood insurance to be approved for a loan, especially if a property is located in a high-risk flood zone.
- Flood insurance is not as expensive as you may think. There are different factors affecting the cost of flood insurance. These factors are the home age and construction, flood risk, deductible level and coverage limit, type of coverage, and the insurance company.
- Standard home insurance does not cover flood damage. Many homeowners mistakenly believe that their home insurance will cover damage caused by a flood. However, unfortunately, if you want to protect your property from water damage, you need to purchase separate flood insurance.
- Flood insurance has its limitations. For example, it does not cover damage caused by mold, mildew, or moisture. It also will not cover the damages that could have been avoided. The damage caused by earth movement is not covered either, even.
Waring Insurance Agency - Your Trustworthy Insurance Agency In California
The Golden State is known as the state where floods are pretty common. Therefore, if you own a home in California, you want to make sure that it is protected. Contact the Waring Insurance agency serving clients in the Golden State if you are currently shopping for flood insurance. Our knowledgeable insurance agents are ready to assist you and help you find an insurance policy based on your budget and insurance needs. Do not hesitate to visit our office or give us a call.
RV Ins
Before hitting the road in your new RV, ensure that you are protected against accidents or vandalism. Allow us here at Waring Insurance Agency in California to find you the best coverage to insure your RV or motor home. We insure different types of RVs. Our policies are customizable, so you can keep your investment safeguarded and travel with peace of mind.
RV Insurance Requirements
California does require that all RV owners obtain insurance. You must at least obtain liability insurance. However, uninsured or under insured protection is not mandatory. You must at least obtain:
- Bodily injury coverage for each person for $15,000
- Bodily injury coverage for each accident for $30,000
- Property damage coverage of at least $5,000
Additional RV Insurance Coverage
The following are all optional but highly recommended coverage options:
- Comprehensive- This will cover damage to your RV from falling objects, theft and vandalism, natural disasters, fire, and damage from animals. Since your RV will often be exposed to various conditions that can result in damage, this is highly recommended.
- Uninsured/under insured- This will protect you against other drivers who do not have insurance or enough coverage to cover damages they have caused to your RV following an accident.
- Personal item coverage- This covers all personal belongings in your RV that have become lost or damaged during an accident.
- Emergency expense coverage- This will cover your emergency expenses that result from an RV accident, such as towing, etc.
- Vacation liability coverage- This is good coverage since many people spend a lot of time in the RV and turn it into a primary residence during their vacation. If you intend to use it as a primary residence, this will cover your RV while it is parked in a campground for an extended period.
Quotes
To obtain a quote for RV insurance, please visit contact Waring Insurance Agency today. We are located in sunny California.