Auto & Home Insurance in Fresno, CA

Insuring your home and vehicle can help safeguard your finances in case of unexpected risks. Understanding and purchasing home and auto insurance policies may help you financially protect two of your most valuable assets. Additionally, purchasing them from the same insurer may help you save on premiums.

What Can Auto & Homeowners Insurance Policies Cover?

Home and auto insurance policies can both offer valuable financial protection. Specifically, your insurance may often include coverage for the following situations:

• Your car or property is damaged due to theft, fire, vandalism or certain natural disasters.
• You hit a tree, an object or another vehicle while driving your car.
• A guest slips and sprains their ankle while in your kitchen.
• You accidentally damage your neighbor’s property while cutting a tree branch on your property.
• You and your passengers are seriously injured in a car accident.
• You sustain heavy losses after being hit by a motorist with insufficient insurance coverage.

Talk to your broker if you’re interested in additional coverage, such as flood damage to your home or roadside assistance if your car breaks down.

Are These Policies Required?

California doesn’t require home insurance, but auto insurance is required, and there are minimum mandated amounts of liability coverage. Lenders may also ask for proof of a policy if you’re financing your home and/or vehicle.

How Much Does Auto & Home Insurance Cost?

The cost of home and auto insurance policies can depend on the following factors:

• Location: If you’re living in a high-risk or densely populated area, you might be charged higher premiums.
• Claims history: Your rates may be lower if you have filed fewer claims in the past.
• Vehicle specifications (e.g., type, make, model, year): More expensive and newer models can be more costly to insure than older or smaller vehicles.
• Property characteristics (e.g., type, value): If you live in a larger home with luxurious features, your premiums may be more expensive than those of policyholders residing in smaller and more modest residences.
• Driving history: You may be charged higher rates if you have accidents or traffic violations in your record.
• Deductibles: Higher deductibles can lead to lower premiums.
• Coverage selections: More add-on coverage can increase your premiums.

While still separate policies, bundling your home and auto insurance with the same carrier may garner lower total costs.

Where Can I Purchase Auto & Home Insurance?

Contact Eaton & Eaton Insurance today to get started with a free, personalized quote.