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Personal Insurance

We provide a full range of coverages for your personal insurance needs. From the first time buyer, to high valued homeowner, automobiles, and umbrellas. We will review, quote, and secure coverages for your needs.

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Commercial Insurance

From the initial startup company to the publicly traded corporation, we will review, quote, and secure coverage for your business. We have found that transferring risk to an insurance company is often the most efficient way to protect your corporate assets and human resources.

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Health & Life Insurance

Protect the ones you love the most with the proper coverage for your needs. Everyone’s needs are unique and finding secure coverage can be stressful. Whether you want to cover your family, yourself or the people who help your business going, we’ll find the right plan for you.

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San Francisco Personal InsuranceTransitions in life can be overwhelming and insurance is one thing you do not need to be confused about.  Buying your first home, a new car or even moving to a new rental apartment all bring insurance needs. This guide will help you navigate through the personal insurance you need to protect you, your home and your car.

Auto Insurance

Finding an affordable auto insurance policy that fully protects your vehicle can sometimes be difficult. You can start with knowing the minimum requirements for your state. However, it is important to understand that the state's minimum requirements may not fully protect your car, or one you damage in a wreck.   

For instance, if the limits on your plan are $50,000 but you run a red light and injure someone severely, $50,000 is unlikely to be an adequate limit. To avoid being under insured, talk to an independent insurance agent to make sure you find a policy that offers adequate limits and provides you peace of mind. Also, an independent agent can help you find the insurance company and policy that will not only protect you, but that you can afford.

Gap Insurance

Gap insurance is important if you just bought a new car, or still owe money on a car loan. Gap insurance will cover the gap between how much you owe on the car and what the car is worth. For instance, as soon as you drive a car off the lot, it is worth 20%-30% less than what you just paid for it. If you have a wreck and total the car one week later, what the insurance decides it is worth may end up being less than the amount you still owe on the loan.  Gap insurance pays the difference between what is owed and what the physical damage insurance company pays (plus the deductible).

Homeowners Insurance

Buying a new home is a giant step towards new responsibility. It is possible that your home is the largest investment you’ll ever make. So, why would you not make sure it is fully protected? If you carry a mortgage, homeowners insurance is a requirement, but even when your mortgage is fully paid, homeowners insurance is still valuable. You never know when a fire or storm will occur.

However, disasters are not the only things that can happen. Your neighbor’s child could be injured on the trampoline in your backyard or someone could break in and steal all of your electronics. In all of these instances, homeowners insurance is needed. Talk to your independent insurance agent about the value of your home, if you have any extra buildings or attachments to the house or any extra risks, such as pools or trampolines. Also, be sure to talk to your insurance agent about earthquake and flood insurance to make sure your home is covered. It is possible that you may need to buy a supplemental insurance policy for these perils. 

Renters Insurance

You may think you are covered and do not need insurance if you are renting an apartment or house. Wouldn’t your apartment complex or landlord cover it if anything were to happen? Yes and no. If the roof on your building leaks from a storm and your bedroom is damaged, your apartment building insurance or landlord’s insurance may cover the damages. However, if a candle in your living room falls over and starts a fire, you are responsible for any damage it causes to the building, your possessions, and other apartments as well.

Also, if someone were to break in to your apartment and steal your tv, renters insurance would be necessary as well. Some apartments require their tenants to purchase renters insurance. We recommend that you purchase renters insurance to protect your possessions and to cover if you cause any damage to the structure.

Umbrella Insurance

Umbrella Insurance becomes important as your net worth increases. Sadly lawsuits are common. If something were to happen that exceeded the limit on your insurance policy, you would be responsible for whatever your insurance will not pay. Umbrella insurance provides limits over and above the limits on your auto and homeowners policies, and serves to protect your assets, savings or retirement account. Umbrella insurance can also cover you while you are traveling and for liabilities that are not specifically covered under other policies.

Your lifestyle is precious and you want to make sure everything is protected for the risks that exist in the world today. Make sure your investments are protected. Contact Sweet & Baker Insurance Brokers at 415-512-2100 to speak with an independent insurance agent about San Francisco personal insurance. We can walk you through the steps to help you find the right policy at the right price.
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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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