California Star Insurance

Welcome to California Star Insurance Service, your local provider of a wide variety of insurance products for over 50 years. We pride ourselves on our vast knowledge of all types of auto, homeowners, renters, and motorcycle insurance. No matter what you’re looking for, you can be sure that California Star Insurance Service has the right coverage for you. As an independent insurance agent, we can look at many companies to make sure you are getting the proper coverage for your situation at the best price. Personal and commercial auto insurance Permit and high risk drivers allowed Recreational vehicle (RV), camper, travel trailer, 5th wheel insurance Classic and collector autos as well as watercraft insurance We work with several insurance companies, including Mercury Auto Insurance, Foremost, Kemper, Farmers and Legacy. From new permit drivers to experienced motorists, we can offer competitive rates without the agency fees, finance charges and hidden costs charged by others. You will also be supporting a local business that can offer face-to-face personal service as well as the latest online options. Since we offer many different insurance products from our Santa Maria office, we can bundle your insurance products to save you even more money. Coverage options: Collision and comprehensive (other than collision) coverages Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both. Collision coverage insures you against damage to your vehicle caused during an accident. Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism. Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium. Liability coverage Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident. Medical Payments coverage Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage. Personal Injury Protection Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work. Uninsured/Underinsured Motorist coverage This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver. Optional coverage Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required. How much do I need? Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.

The coverage you have depends upon the type of policy you have. Unlike auto insurance, where the policies are pretty much the same, homeowners policies can be quite different, depending on the "form" number. The most common types of homeowner policies are: HO1 Basic or Standard policy HO2 Broad form HO3 Special (also called Deluxe, All Risk) HO4 Renters policy HO6 Condo policy HO8 Older Home Policy All homeowner policies are "package" policies. You get a group of coverages packaged into your policy for one overall premium. They include coverage on your building, your contents (furniture, clothing, etc.) and liability insurance in case you are sued, under the same policy. The property coverage is shown under Section 1, while the liability coverage is described under Section 2. There is no better way to understand your homeowner policy than to read it! We suggest you pull out your policy and find the parts to your policy that correspond to the following explanations: A typical policy consists of three things: The Declarations Page - that declares who, what and how much you are insuring, along with the date your coverage starts and the premium. The Policy Booklet - printed pages that contain the details of coverages and exclusions. Endorsements - separate pages, usually with endorsement numbers, that change (or endorse) specific parts of the policy. Sometimes you are only given the original policy once in the beginning, then on renewal, to cut down expenses, you are just sent the dec. page (declaration page) with the bill. It's a good idea to save the original policies should you ever need to refer to them. More Detailed Information: The HO1 policy is very limited in coverage and is not being sold by most companies. The HO2 policy covers the basic perils of fire, lightning, explosion, smoke, hail, aircraft, riot, glass breakage, theft and damage caused by vehicles. It also adds additional coverage to broaden your policy. Those perils include damage caused by rupture of your water or heating pipes, falling objects (such as trees), collapse of the building, limit electrical damage to appliances and others. The HO3 policy is, by far, the most commonly sold policy. It covers everything the HO2 policy covers and more. Instead of listing the perils that are covered these policies cover all damage to the building except what is excluded. The usual exclusions are: wear and tear, termites, rotting, collapse of septic tank, flood, war, earthquake and a few others. Some HO3 policies are referred to as "Deluxe" , "Special" , "All Risk" policies depending upon the company. Most policies cover your contents or belongings only for the perils named in an HO2 policy so wear and tear and normal breakage is not covered for your furniture and personal belongings. Be careful! Your homeowner policy limits coverage on some items. To keep the cost of insurance down your policy probably has limits on certain items. Typical limits are: Cash - $200 Jewelry - $1,000 Firearms - $2,500 Silverware - $2,500 Check your policy carefully. If you see you don't have enough coverage, find out how much it would cost to increase those limits or to buy special coverage. Optional Coverage In addition to special coverage for jewelry, silverware and furs, you can purchase specific coverage for such possessions as stamp or coin collections, fine arts, camera equipment, collectibles, watercraft and musical instruments, just to name a few.

As a California based insurance solutions agency, we specialize in providing low cost motorcycle insurance from leading insurance companies to give you the best coverage at the right price. Getting a quote is easy - and free! Simply fill out our online quote form here or contact us by phone at 805-266-7971 for a no-obligation quote at no cost to you. Since insurance companies take into consideration the many different factors that come when insuring your motorcycle in California, one company may be a better fit for you than the other. That’s why we compare the best insurance companies for you so you get insured with your perfect match. These factors include: Driving record Credit History Your Age and Current Address The Type of Motorcycle The Number of Drivers Most insurance companies offer coverage that is similar to your auto insurance policy, including bodily injuring and property damage liability coverage. You may also be able to include additional motorcycle insurance coverage including medical payments, comprehensive and collision coverage. Other options for coverage are for uninsured motorist coverage, which covers you in the event that someone injures you and does not carry insurance, or who may have insurance but not enough to cover your injuries. Ask us about qualifying for discounts that could possibly lower your premiums. These discounts may include: Multiple policies with our company Safety courses that you may have taken Renewals Insurance on more than one motorcycle Call us today and let us help get you out on the road with motorcycle insurance California.

Why You Need Renters Insurance if you live in Santa Maria If you’ve heard about renter’s insurance and are wondering why it's necessary to have, we’re here to help. Typically with any type of rental property (and particularly with apartments), there’s risky business involved when faced with potential claims. Whether you (or a fellow tenant) have ever dealt with or are currently dealing with theft, water damage, or residual fire damage, there are many potential risks that can often frequent buildings, leaving your rental property in danger. As renter’s low cost insurance is affordably priced and your possessions are of a priceless valuable, we want to help protect you from a possible loss in the event of a claim. What Does California Renters Insurance Shield Against? At California Star Insurance Service Inc., we know the primary concerns with renting a home or apartment. Thankfully, our renter’s low cost insurance protects you from a wide range of threats and dangers that could occur with a rented unit. Upon purchasing renter’s insurance, you're covering yourself against several issues, like fire damage, lightning, riots, aircraft, vehicles, smoke, windstorms, vandalism, theft, falling objects, water harm, electrical harm and more. Choosing the Right Amount of Insurance At California Star Insurance Service Inc., we can ensure that your valuables are insured. Once you determine the amount of coverage needed, we’ll customize a package to fit your renter’s insurance Santa Maria needs. As with most types of insurance, your premium relies on your deductible and any extra coverage you decide to select. In order to recognize the worth of your belongings, keep receipts along with an updated inventory of everything that you own. Use caution not to underestimate their price and consider possibly photographing your items—keeping the files in a fireproof container or through cloud storage online. Renters Insurance Santa Maria To ensure that your valuables can be protected, buying renter’s insurance Santa Maria offers you peace of mind for your valuable belongings. Contact us today to learn more about our renter’s low cost insurance. As a local insurance agency in Santa Maria, we're partnered with several of the highest rated renter’s insurance corporations within the business. This means we can compare rates and policies with many different carriers to find the policy and value that works best for you. Call us today!

At California Star Insurance Service Inc., we can assit you in finding the right coverage for an affordable price for your California mobile home or manufactured home insurance. Many times a mobile home is a more affordable way to become a homeowner and you'll need similar coverage that a homeowner would need. When purchasing a mobile home, you may not be aware that it requires different coverages than a normal homeowners policy. These manufactured home have special requirements due to the transportability and construction. Our professionals at California Star Insurance Service Inc., can find the right options to cover your mobile home assets and liabilites. Coverage options could include: Structures Personal Property Protection from flood and other weather Accidental damage Loss of use And many others ... We pride ourselves in customer service with the lowest possible rate. Just contact us today at 805-266-7971 to find your next California mobile home or manufactured home insurance policy.

As your Independent Insurance Agency in Santa Maria, California, we have connections with some of the top rated insurance companies which allows us to find competitive rates and the right coverage for your toys. Recreational vehicles provide a lot of enjoyment but also bring with them some unique risk and exposures. We can help protect you. Some of the California recreational vehicle insurance coverages we offer are: Motorcycle Insurance ATV insurance Boat Insurance Personal Watercraft – Jet Skis, Sea-Do RV Insurance including Campers and trailers And don't forget, many of your favorite toys have trailers you may also want coverage for. Whether you're a current client and acquired a new toy or you are shopping around for help through a new agency, let us wow you with our insight on protecting your off road activities! Feel free to select one of our online quote forms or just give us a call at 805-266-7971.

Umbrella insurance is there to protect you if you are liable for something big. Similar to an umbrella, it is there to fill in coverage caps that you may have from your other insurance policies. For example, if you're in a big car accident and need to cover replacement and medical costs, umbrella insurance can help in these extra costs. Instead of just having your normal auto insurance coverage, California umbrella insurance gives you the additional coverage you may need. Umbrella insurance can assist in the claim and payment processes by covering costs when all other insurance is exhausted. This makes the handling of claims and payments made a much easier process. California Star Insurance Service Inc. can help Santa Maria, California residents find the right umbrella policy to fit their needs. Contact us with a free online quote or by phone at 805-266-7971.

At California Star Insurance Service Inc., we can offer a wide variety of coverages and options for your boat, jet ski or personal watercraft. Some boats or smaller watercraft may even be covered under your current homeowners policy. The size, type and value of your boat, personal watercraft or jet ski will be part of the determining factors in evaluting your insurance coverage needs. Let one of our experienced agents give you to coverage you need and recommendations to best fit your situation. The following list some of the many coverages that we can offer: Physical Damage Coverage - Adding this coverage to your policy protects your boat while in storage and during transport. This covers your boat as well when out of the water, including but not limited to: fire, lightning, vandalism or theft. You can also obtain emergency service reimbursement for expenses related to towing, labor or supplies. Liability Coverage - This coverage will assist you in the event of a collision with another boat, dock or other boaters. These areas protect you for: Personal Liability - protecting you or family member if you have an accident that causes injury to another person. Medical Payments - covering medical expenses if you or someone in your boat is involved in an accident. Property Damage - damage that may be caused to another persons property while operating your watercraft. So give us a call today at 805-266-7971 or fill out our simple Online Quote Form.

California Star Insurance Service Inc. can help you find the right coverage for your collector or antique car for the right price. Collector cars and trucks have different insurance than regular auto insurance and at California Star Insurance Service Inc., we can provide those options for you. Classic cars are usually in the category of antique once the vehicle is 15-20 years old or older. Collector car insurance coverage can also include exotic autos, sports cars and rare automobiles. Contact Us in Santa Maria, California We can customize a California collector car insurance product that will make sure your classic, exotic, sports, rare or antique car can be protected. Our packages may include: Special claims and repair options Flexible use coverages Value coverage Competitive premiums - usually lower than normal auto policy Liability and damage options Agreed upon evaluations of the car's value We can service your antique car insurance needs in Santa Maria California including the Lompoc, Orcutt, San Luis Obispo, Santa Barbara, and Santa Ynez areas.

Commercial Auto Insurance insures your vehicles for physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. This type of business insurance covers a variety of vehicles and is also referred to as commercial car insurance, truck insurance, or fleet insurance. Our agents at California Star Insurance Service Inc. will help you find the best coverage you need for your business. Why do you need California Commercial Auto Insurance? - In general, if an auto is used in tasks related to the operator's occupation, profession or business, other than commuting, a commercial policy is necessary. If you are using your auto to transport goods or people for a fee or if you use your auto to conduct a service, you may need a commercial auto insurance policy. A commercial auto policy may be appropriate if you need higher limits of liability because of the nature of your work. Hauling a considerable weight in tools or equipment or towing a trailer used to conduct your business may require a commercial auto insurance policy. A commercial insurance policy may be needed if employees operate the auto or if ownership is in the name of a corporation or partnership. What does Commercial Auto Insurance cover? - Commercial auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorists coverage to California businesses. However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits. Most Commercial auto policies are "named driver only" policies, meaning only those drivers listed on the policy can operate a covered auto. What are the coverages? Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense. Property damage liability coverage – provides you with protection if your car accidently damages another persons property. It also provides you with a legal defense. Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several. Medical payments, no-fault or Personal Injury Coverage – usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault. Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance. Comprehensive physical damage coverage – pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other covered perils. Collision coverage – pays for damage to your car when it hits or is hit by another object.

At California Star Insurance Service Inc., we provide comprehensive Business Owners Policy (BOP) insurance to many businesses in Santa Maria and throughout the state of California. A BOP combines all different coverages into one policy to protect your small to medium-size business assets. We can tailor a package to fit the needs of your industry. Many industries have specialized packages for their business owners policies. At California Star Insurance Service Inc., we can evaluate the needs of your industry and give a customized option that covers your needs and is specific to your industry. Business Owners Policies include: Property coverage - protecting your building and contents that are owned by the company. Liability protection - covering the company's products or operations that may result in the damage or injury to another. Business Interruption - this protects your company from fire or other accident that may result in loss of income or operation of the company. Other coverages - may include equipment breakdown, crime, liability, signage Keep in mind also that you need separate coverage for your commercial auto's, workers compensation and group employee benefits like health and life insurance. Let one of our business owners policies specialists find the right coverage for you today.