Personal Insurance

Personal insurance protects individuals and families from financial loss due to accidents, natural disasters, theft, or liability claims. It provides coverage for your home, car, health, and life to ensure your financial security in unexpected situations. 

We offer a variety of personal insurance solutions, including:
✔ Auto Insurance – Covers vehicle damage, liability, and medical expenses.
✔ Homeowners Insurance – Protects your home, belongings, and personal liability.
✔ Renters Insurance – Covers personal property and liability for tenants.
✔ Life Insurance – Provides financial support for loved ones after a loss.
✔ Health Insurance – Ensures access to medical care and financial protection from high medical costs.
✔ Umbrella Insurance – Extra liability coverage beyond home and auto policies. 

✔ Auto insurance is legally required in California to drive.
✔ Home insurance is usually required by mortgage lenders.
✔ Health insurance may be required under certain state laws.
✔ Life and renters insurance are optional but highly recommended. 

✔ Homeowners Insurance covers the structure of your home, personal belongings, and liability.
✔ Renters Insurance protects personal belongings and liability but does not cover the building itself. 

The amount of coverage depends on factors like home value, vehicle type, personal assets, and family needs. Our team helps you find the right balance of affordable premiums and comprehensive protection. 

The cost depends on coverage limits, deductible amounts, and risk factors such as:
✔ Location (fire risk, crime rates, weather conditions)
✔ Driving history (for auto insurance)
✔ Age and health status (for life and health insurance) 

✔ Bundle multiple policies (home and auto) for discounts.
✔ Maintain a good credit score and clean driving record.
✔ Choose higher deductibles to lower monthly premiums.
✔ Install safety features (home security, anti-theft devices). 

Umbrella insurance provides extra liability coverage beyond standard home, auto, or renters policies. It protects your assets if you're sued for damages beyond your existing coverage limits. 

 ✔ Contact Meyer & Cook at (916) 776-1751 or email bmc@meyerandcook.com.
✔ Provide details about the incident, including photos if applicable.
✔ Work with our team to complete the claims process efficiently. 

Getting started is easy! Contact our team at (916) 776-1751, email us at bmc@meyerandcook.com, or click here to schedule a free consultation.