Collective Insurance Solutions

Personal Auto Insurance provides coverage for any physical damage and/or bodily injuries resulting from an accident whether the accident is cause by you or another driver. We will help you select the appropriate amount of coverage, to avoid being personally sued or avoid any out-of-pocket expense. We will customize a policy for you policy to avoid any financial losses due to an accident.

However, a homeowners or renters policy will generally cover losses from fire following a quake. If the fire makes your home unlivable, there may also be coverage for additional living expenses should it be necessary to live away from your home while it is being repaired. Can I afford the cost of rebuilding or repairing my home if it is damaged as the result of an earthquake?

Individual Health Insurance is coverage that you purchase for yourself or your family as opposed to obtaining it through an employer. These insurance plans help pay for regular doctor checkups, long-term illness or injuries. Each plan offers different co-pays and annual out of pocket expenses. There are two ways to obtain this type of insurance: An "exchange" or directly from a health care company.

Homeowners insurance provides protection from damage or loss of property caused by accidents and perils like fire, windstorms, hail, lightning, theft or vandalism. It pays to repair or rebuild your home if it is damaged or destroyed by such perils, and pays for additional living expenses if such a tragedy were to happen.

The purpose of Life insurance is to continue providing for your loved ones after your passing. By having adequate Life Insurance, they will be able to maintain the lifestyle you currently provide for them. If your partner were to pass on, imagine how difficult it would be to provide for your children on a single income versus a dual income.