Home & Auto Insurance in Grass Valley, California

Personalized Service and Protection for Your Valuable Investments

Your home and your vehicle are valuable investments, and they deserve the protection of the right insurance policies. For more personalized service than you’ll find with big insurance companies and a broader selection of home and auto insurance products, Circadian are independent agents serving the Grass Valley community.

What Would You Do If Something Happened to Your Home?

We ask our clients without home insurance: what would you do if something happened to your home? Would you have the financial resources to repair or rebuild as needed? Home insurance was created to cover this expense, so you don’t have to use your personal savings or your retirement funds.

Home insurance covers your property in a range of unexpected scenarios. You are protected in the event of fire, storms, most natural disasters, vandalism, and theft.

Your belongings would also be covered by a home insurance policy. This includes everything inside your home, such as furniture, housewares, appliances, electronics, clothing, and valuables.

Home insurance policies come with several other benefits that you’re sure to appreciate. You’ll get liability protection if someone has an accident or injury on your property and wins a legal judgment against you. Your policy will also cover the cost of living elsewhere if your home is damaged beyond habitability and must be repaired or rebuilt.

Don’t Drive in California Without the Proper Auto Insurance

The state of California requires liability insurance to register and operate a motor vehicle. You also want to protect your car or truck in the event of an accident, theft, or various types of damage.

The minimum auto liability insurance in California is:

- 1. $15,000 for injury or death to one person

- 2. $30,000 for injury or death to more than one person

- 3. $5,000 for property damage

Liability insurance does not cover damage to your vehicle. Therefore, we suggest you add full coverage when you take out an auto policy with us. You won’t have to pay the total expensive repairs or replacement, which is essential if you rely on your vehicle to get to work, school, errands, or other family activities.

As part of full coverage auto insurance, collision coverage pays for the repair or replacement of your vehicle after an accident where you are found at fault or where you are hit by an uninsured driver. You can get back the normal life quickly with collision coverage. Comprehensive insurance covers your vehicle against vandalism, theft, or damage by things like fire or storms.

Be Sure to Cover Your Greatest Assets

Insurance Quotes

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Your home and your vehicle are your greatest assets, so be sure to give them the coverage they need. Reach out online for a home or auto insurance quote, or call us today at 925-417-8500 to learn more about your insurance options. You’ll like knowing your investments are protected and that you meet the legal insurance requirements to drive in California.