Personal Lines
Personal Insurance coverages are packaged into different policy types. Before providing any premium quotations, CDS Insurance will assist in evaluating your personal risk exposures. The next step is to determine which risks you wish to protect with insurance policies. With access to more than 25 homeowners and auto insurers, CDS Insurance will produce a competitive and comprehensive personal insurance program tailored to your specific needs.
Below is an outline of personal insurance coverages available through CDS Insurance Services:
Auto & Recreational Vehicles
Coverage can be provided for the state minimum limit of liability and up to $1 Million to protect your assets and exposures in the event of an auto loss. We can provide coverage for exotic vehicles, modified street rods, collector cars and everyday commuter vehicles. Coverage can be provided for liability, uninsured motorists, underinsured motorists, medical payments, comprehensive, collisions, rental reimbursement, gap coverage and towing.
Homeowners & Vacation Homes
Homeowners insurance provides damage protection for your home and personal property from a variety of events, including fire, lightning, burglary, vandalism, storms, explosions and more. In addition, all homeowners’ insurance policies typically contain personal liability coverage, which protects against lawsuits involving injuries that occurred on and off your property.
Condominium
This coverage provides protection against losses where your condo association insurance coverage ends. The associations’ policy in most cases does not provide coverage for the interior of your condominium. This can include personal property, loss of use, personal liability, building items and loss assessment.
Renters Insurance
Even if you do not own your own home, you still have assets to protect. Coverage can be provided for your contents, loss of use and personal liability through this type of policy.
Personal Articles Floater
This type of coverage can be provided as a stand alone policy or by endorsement to a homeowner’s policy. Either way, this coverage is for items that need to be scheduled on an open perils basis. This generally includes valuables such as jewelry, furs, fine arts, golf equipment, musical instruments, silverware, cameras and stamp or coin collections to name a few. If you are unsure if you should schedule a particular asset, we can help you make that determination as well.
Comprehensive Personal Liability
This coverage protects individuals and families from liability for nearly all types of accidents caused by them in their personal lives as opposed to business lives. It is most commonly a part of the protection provided by a Homeowners policy, but it can also be written as a separate policy. This is a form of liability insurance for individuals which insures the policyholder in the event he or she becomes liable to pay money for damage or injury he or she has caused to others. This coverage does not include automobile liability or liabilities that arise out of the operations of a business.
Personal Umbrella
This type of insurance is exactly what it sounds like. It provides coverage that takes over where your basic automobile and homeowners policies leave off, thus shielding you as an umbrella does in the rain. It is a great way to truly protect your larger assets by providing additional liability coverage, without a great expense to you. In today’s litigious society, this coverage is the best value around.
Motorcycles
Offering coverage for most bikes, including cruisers, touring bikes, dirt bikes, sport bikes, mopeds, ATV’s – even custom bikes and bikes more than 25 years old.
Watercraft Programs
There are many insurance programs that we can custom tailor to your particular boating needs. We have coverage for powerboats, personal watercrafts, ski boats, sail boats, antique and classic boats. Comprehensive yacht coverage can also be provided. Watercraft coverage provides both property and liability protection.
Earthquake
Earthquakes are a real and present danger in California and can be financially devastating to a homeowner. Unfortunately, most homeowner’s insurance policies do not cover losses resulting from earthquakes. We can help. We have the ability to provide you with comprehensive earthquake quotations from several of the leading earthquake insurers in California.
Flood
This insurance is similar to Earthquake coverage. In the event of a flood, most homeowner’s policies do not provide coverage for any property damage as a result of a flood. If you live in a flood zone, this coverage is as important for you as Earthquake coverage is. We can provide you with quotes from several leading insurers.
Identity Theft
While no protection can keep identity theft from happening, enhanced identity theft protection programs provide a consumer fraud specialist to reclaim your identity and reimburse you the expenses associated with restoring identity.
Mexico Auto Insurance
Typically, most auto policies do not provide coverage for accidents or property damage that occurs in Mexico. This type of coverage provides temporary protection for you and your vehicle while in Mexico.
