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626 331-0936

Waring Insurance has been insuring all of California for more than 45 years

Waring Insurance has been insuring all of California for more than 45 yearsWaring Insurance has been insuring all of California for more than 45 yearsWaring Insurance has been insuring all of California for more than 45 years

Call for Quote! 626 331-0936

Contact Us

626 331-0936

Waring Insurance has been insuring all of California for more than 45 years

Waring Insurance has been insuring all of California for more than 45 yearsWaring Insurance has been insuring all of California for more than 45 yearsWaring Insurance has been insuring all of California for more than 45 years

Call for Quote! 626 331-0936

Contact Us

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.


Request a Quote

Reviews

Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.


When speaking with your agent to set up your policy, any valuables you are concerned about and our agent can review your policy and recommend changes to ensure your valuables have proper coverage.


No. You do not need a new home appraisal during the renewal or coverage change process.


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Waring Insurance

626 331-0936 staff@waringinsurance.com

Hours

Monday - Friday: 9am - 5pm

Saturday: By appointment

Sunday: Closed

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