Auto and Homeowners Insurance
Auto and Homeowners Insurance Quote Forms
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Auto and Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Auto and Homeowners Insurance Information
California Auto & Homeowners Insurance
If you are just beginning your search for auto or homeowners insurance, you probably aren’t sure how best to optimize your benefits and still keep your policies affordable. After all, your home and auto policies are some of the most essential coverage you’ll ever need, and you’ll want to have the best of both benefits and price.
One solution offered by most major insurers is an auto-home insurance bundle. By bundling your policies through the same carrier, you’ll receive not only easy benefits management, but also savings opportunities that might not be available to others. Plus, when you come to HSS Insurance Services for your personal insurance needs, we’ll make it easy for you to get the perfect coverage right from the start. With our help, you’ll never have to worry about whether you’ll have perfected coverage in place.
To get your policy bundle started, call us at or request your free quote online today.
Common Insurance Bundle Questions
How do Home and Auto Insurance Bundles Work?
If you’ve never heard of an insurance bundle, then it might shock you to know that you are missing out on one of the most convenient ways to save money and avoid hassle when it comes to getting covered.
Bundling your insurance policies just means that you buy them from the same insurance company. However, by doing so, you won’t have to juggle separate policies from separate carriers. You’ll find that you have much more cohesive benefits available, which can save you a lot of worry if the time to file a claim ever arises.
Can You Save Money When You Buy an Insurance Bundle?
There are many ways that you can bundle insurance policies, but most people choose to bundle their home and auto coverage, at minimum.
One of the greatest benefits of bundling is the savings potential:
Most major insurers offer bundling discounts. So, your combined premium for bundled plans will be lower than it would be if you bought your policies separately.
Some bundles offer single-deductible options. This will require you to pay only one deductible if you file a claim on both your auto and your home insurance following a single damaging event.
Plus, when you bundle, you will likely be able to pay all premiums at the same time. Therefore, you will lower your risk of late fees and the potential for a cancelled policy.
Who Can Benefit from Bundling?
Most people can reap the rewards of bundling their auto & homeowners insurance policies. However, it’s important to talk to your agent about any special insurance needs you might have. For example, you might not be able to bundle policies for high-value homes or antique cars. Still, since all carrier options vary, your agent can still help you find the best insurance solutions nonetheless.
What Car Insurance Do I Need?
The property damage, injuries and other costs related to car wrecks and other vehicle hazards could all be very expensive. Properly designed auto insurance will help you afford these costs. Common coverage you need includes:
Medical Payments Coverage
Uninsured Motorist Coverage
Underinsured Motorist Coverage
Other necessary coverage might include gap coverage, replacement cost coverage and vanishing deductibles.
Am I Required to Buy Car Insurance?
By law, all California drivers must carry proof of financial responsibility. Unless you qualify to self-insure, then you will receive this coverage by buying auto insurance.
All California auto insurance plans must contain at least the following benefits:
$15,000 bodily injury liability coverage per person
$30,000 bodily injury liability coverage per accident
We encourage all our clients to increase these liability limits and add a multitude of optional benefits to their plans to optimize their security in case of any potential loss.
What Does Home Insurance Cover?
Home insurance is designed to help you cover the costs of unexpected hazards that occur on your property. These might range from house fires to storm damage or injury lawsuits brought by a neighbor. Coverage offered by most plans includes:
There are numerous other benefits that you might be able to add to your plan such as pet liability coverage, scheduled items riders, identity theft coverage and more.
Is Home Insurance Required?
Most of the time, you will have to buy home insurance if you plan to finance the home with a mortgage. This requirement will help the lender safeguard their investment in the home. Of course, requirement or no requirement, home insurance is still important to have. It will make sure you will be able to afford the costs of any problem that might arise in your home.