Almost 1 out of every 3 autos on the road is uninsured. With those odds against you, it's important to have the correct insurance to cover yourself and your family. We are independent agents and brokers which means we are not "tied down" to just one company. The companies we represent were chosen by us for their dedication to giving our clients the best service, whether it be a change to your policy or making sure your claim is expedited efficiently and satisfactorily.
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About Us
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Owner/Agent Ric Small purchased the agency in 1981 and moved it from Richmond to Benicia in 1985. Ric worked for AAA for 5 yrs prior to the purchase. Ric's wife, Kema, has taught in the Benicia School District since 1998, and both Ric and Kema led Younglife in Benicia for over 20 yrs. Ric also coached the girls tennis team at Benicia High for 12 yrs.
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In California, catastrophic events are becoming more prevalent and so it is more important than ever to make sure your home is covered not only against those events, but also to make sure you have the proper amount of coverage to rebuild in case such an event strikes your home. Whether you are involved in a serious accident, or you just need to change vehicles, we will be with you every step of the way.
Home Policies
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Your home is one of the most important assets you will ever purchase. Our job is to protect that asset to be sure you will be covered properly no matter if a fence blows or if a major catastrophe hits. We use up to date replacement cost estimators to evaluate the replacement cost of your home. Our markets offer coverage not only for your home but also your personal items such as jewelry and other important collectibles. There are also discounts for having your home and auto insurance together with one of our A+ rated companies.
Auto Policies
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Statistics show that almost 1 out of every 3 autos on the road is uninsured. With those odds against you, it's important to have the correct insurance to cover yourself and your family. We will review your liability limits and physical damage deductibles to make sure your needs are met with the correct policy. There are also discounts for having your auto and home with one of our A+ rated companies.
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