We at Race Insurance are dedicated to providing customized and cost-effective insurance plans to businesses and individuals. We understand that insurance is one of your most critical decisions. The right choices - and the wrong ones - can have an enormous impact on your future, as well as your future viability. Our dedicated professionals will help you structure and price an insurance program to manage your business and personal risks, in the most efficient and effective fashion possible. At Race Insurance, we don't just provide insurance services, we help you make the right choice.
Services
Insurance Basics
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Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Glossary
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A form of variable annuity contract where the contract holder pays sales charges up front rather than eventually having to pay a surrender charge. A life insurance policy option that provides policy proceeds to insured individuals over their lifetimes, in the event of a terminal illness. This is in lieu of a traditional policy that pays beneficiaries after the insured's death. Such benefits kick in if the insured becomes terminally ill, needs extreme medical intervention, or must reside in a nursing home.
Auto Insurance
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Liability Bodily Injury - Coverage that is required in CA to legally drive your vehicle on the road. If you are involved in an accident and it is your fault and the other person is injured, the other person is covered for for $15,000 in injuries or death. If there are more than one person injured in the other party's vehicle, then you are covered up to $30,000 for injuries or death, per incident. Property Damage - Pays for damages caused by you in your vehicle, to the property of others. Example: Car, fence, pole, plus any legal expenses.
Homeowners' Insurance
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Homeowner's insurance just does not cover homes, but it will cover those who rent homes, apartments, condos, and townhouses. These homeowner's policy are referred to at renter's homeowner policies. If you are a renter, you will not need protection against damage to the building itself, but you will need protection against damage or theft of your personal property and any type of liability just in case someone falls or gets hurts on the part of the premises that you rent.You, of course, would be protected with homeowner's insurance if there was theft or liability just in case someone injuries themselves in your condominium or townhouse.
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