Home & Auto Insurance in Huntington Beach, California

Don’t Risk Leaving Your Most Valuable Assets Unprotected

Your home and your vehicle are your most valuable assets. You don’t want to risk leaving them unprotected by going without the proper home and auto insurance. In Huntington Beach, California, you’ll find the home and auto insurance solutions you need along with personalized service at Circadian, independent agents here to serve you.

Home Insurance Is Essential

If your home were seriously damaged or destroyed, what would you do? Many people aren’t able to rebuild their home or replace their belongings from their own savings. That’s why home insurance is essential to cover your dwelling and the contents of its interior if the worst happens.

Home insurance is designed to protect your property in case of vandalism, theft, fire, storms, and most natural disasters. You won’t feel forced to use your hard-earned retirement or savings funds to cover the cost of repairs or reconstruction or to replace valuables.

Your personal belongings are also protected by your home insurance policy. This means you don’t have to worry about paying to replace items like furniture, electronics, appliances, clothing, and sporting goods.

You may not be aware that the right home insurance policy also comes with other benefits. You will receive liability protection, which covers you if someone is injured on your property. Home insurance also reimburses the cost of living elsewhere if your home is rendered uninhabitable and must be repaired or rebuilt.

Auto Insurance Is Required

Your vehicle is a significant investment, so you want to protect it with auto insurance. Also, auto liability insurance is required by the state of California.

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

For our clients in Huntington Beach, we typically recommend full coverage Auto Insurance. This adds more coverage than you’ll find with minimum liability insurance, and it’s ideal if you rely on your vehicle for transportation to work, school, shopping, or other activities.

Full coverage auto insurance has two components beyond liability insurance. Collision insurance covers your vehicle if you are in an accident where you are at fault or hit by an uninsured motorist. It pays for the repair or replacement of your vehicle, so you can get back to normal life quickly. Comprehensive coverage offers reimbursement or repair in the event of theft, vandalism, or loss to fire or storms.

Get the Home and Auto Insurance You Need Today

We can assemble home and auto insurance policies for you today, so your home and vehicle are protected and you’re driving legally in the state of California. Message us online to request a quote, or call us at 925-417-8500 today for more information. You’ll enjoy greater peace of mind knowing your most valuable assets have the protection they deserve.