Yes, our company and team are licensed in the state of California. We also have a network of partners that allow us to legally bind coverage through the entire United States.
Origin Story
We are independent insurance brokers dedicated to providing the best quality, service, and rates for our customers by comparing multiple companies. By using Rincon Insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and necessary when filing a claim. A local, independent agent, such as Rincon Insurance offers quality insurance with competitive pricing and personalized service.
Rincon Insurance offers many insurance types including Auto, Home, Renters, Commerical, Business, Life and many other niche products. Please reach out to us to inquire about how we can cover your assets.
Please go to the Learn section of our website to learn more about insurance.
You can set up an appointment with us in multiple ways:
Email us at support@rinconinsurance.com
Use this link to set an appointment with a Rincon Insurance Agent that best meets your schedule
Give us a call at (805) 881-2176
Auto insurance is required by almost all states. But, besides adhering to the law there are many reasons auto insurance is important. Insurance will pay large expenses including property damages and medical expenses if you are involved in an accident. It is important to protect yourself and your passengers with coverage for property and bodily injury. If your car is totaled in an accident, gap insurance can pay off your entire car loan if the pre-accident value is less than the loan. After an accident, insurance can help with vehicle towing, repairs, and replacements. Once a claim is filed, the insurance company can manage the process and provide the proper support needed.
When you apply for an insurance policy, you will be asked several key questions used in underwriting. The agent will ask for your personal information including you name, age, gender, and address. You will be asked a few other questions which will be used to determine how likely you are to make a claim. We will want to know about your driving record, whether you have any recent accident or ticket history, and what type of car is to be insured.
Each state has a different minimum car insurance requirement. Your state may require different levels than other states for property damage liability and bodily injury liability. Many drivers opt for the minimum state requirement, but we recommend you find the best coverage at the best price available so that you have less out of pocket expenses in the event of an accident. While many drivers may opt for the least expensive car insurance that only covers the state minimum insurance limits, this choice may leave a driver paying for expenses out of pocket in the event of an accident.
Many factors affect the cost of your automobile insurance some of which you can control and some that are beyond your control.
The type of car you drive, car age, the purpose the car serves, miles driven, your driving record, geography, driver’s age, marital status, and where the car is garaged can all affect how much your automobile insurance will cost you.
The variables in your control are coverage limits and deductible amounts.
Only specific cars qualify for classic auto insurance. Your vehicle needs to be your second car that’s used for pleasure and not used on a daily basis. Classic cars are passion projects, cherished keepsakes, and also investments. Replacement parts can be costly and hard to find, which is why you will want quality insurance on your classic car. The value of your vehicle will determine the policy amount. In most cases, your classic car insurance will be cheaper than your standard auto policies.
Each car insurance company has different requirements to qualify for coverage. Some of these factors include requiring a clean driving record, limits on driven miles, and safe storage conditions.
Gap insurance
Collision insurance covers damages from another vehicle or object. Without collision insurance, you would have to pay out-of-pocket for all expenses in the unfortunate case of an accident. Collision insurance is optional, but many auto lenders require it if you are financing or leasing your vehicle.
Collision insurance covers accidents with another car, single car collisions such as a rollover, someone crashing into your parked car, an accident in a car you’ve rented, or a collision with another object like a mailbox.
Collision insurance typically does not cover damage to another person, theft, vandalism, accidents with animals, or any other type of losses that are incurred but are not auto related.
To get full coverage is best to pair collision insurance with comprehensive car insurance, bodily injury liability insurance, and property damage liability insurance.
Comprehensive insurance protects your car from damages you can’t control. Some examples of what comprehensive coverage covers are broken windshields, damage due to nature such as a tree falling on your car, theft of car parts, vandalism, civil disturbances, hitting an animal that jumps in front of your car, and natural disasters including hurricane, flooding, fire, wind, hail, and earthquakes.
Your auto collision deductible is the amount you pay out-of-pocket for car insurance claims before your policy covers the rest. For example, if your deductible is $1,000 and your vehicle has $5,000 in damage, you would be responsible only for the $1,000 to pay to repair your car. Your insurance company and your collision insurance coverage would help pay the rest.
Usually the lower your deductible amounts, the higher your premium. So, if you plan to buy auto collision coverage, selecting a higher deductible generally helps lower the cost of your auto insurance.
Motorhomes, travel trailers and campers need custom coverage. RV insurance gives you many of the same benefits you get with car insurance coverage, but includes more protection based on the unique risks that RVs face.
Our boat insurance can help protect powerboats, bass and fishing boats, pontoon boats, personal watercrafts (PWC), and sailboats. Whether your boat is for fishing, watersports, or just smooth sailing, here at Rincon Insurance agency we have you covered.
While both types of coverage help with the cost of rebuilding your home or replacing damaged items after a covered loss, actual cash value policies are based on the items depreciated value while replacement cost coverage does not account for depreciation.
The typical homeowner’s policy has two main sections: Section I covers the property of the insured and Section II provides personal liability coverage for the insured. Almost anyone who owns, or leases property has a need for this type of insurance. Usually, homeowners’ insurance is required by the lender to obtain a mortgage.
A renters policy provides named perils coverage. This means that the policy only pays when your property is damaged or destroyed by any of the ways specifically described in the policy. These usually include fire or lightning, windstorm or hail, explosions, riots, aircraft, vehicles, smoke, vandalism, theft, falling objects, ice, water or steam, freezing, electrical current, and more. Renters’ coverage applies to your personal property no matter where you are in the world. This means you’re covered when you are on vacation as well as at home.
If you live in an apartment or a rented house, renters insurance provides important coverage for both you and your possession. A standard renters policy protects your personal property in many cases of theft or damage and may pay for temporary living expenses if your rental is damaged. It can also shield you from personal liability. Anyone who leases a house or apartment should consider this type of coverage.
The standard of insurance policy does not pay for direct damages caused by “earth movement.” Earth movement is a much broader term than earthquake. It includes earthquake, volcanic activity, and other earth movement. This coverage may be available by endorsement for an additional charge. If you live in an area that is more likely to have an earthquake, you’ll pay more than if you live in an area that is unlikely to have an earthquake. We can help you weigh the costs and benefits of this coverage before you decide to purchase.
Standard renter’s policies cover only you and relatives that live with you. If your roommate is not a relative, each of you will need your own renter’s policy to cover your own property and to provide you liability coverage for your own actions.
Various types of businesses have unique insurance needs and not all businesses need the same types of commercial insurance. Rincon Insurance can help you get the right type of coverage. You can tailor your commercial insurance policy and add optional coverages such as:
Commerical Auto Insurance: helps cover you and your employees on the road if you’re driving for business.
Commerical Flood Insurance: which covers flood damage caused by rain, snow, hurricanes, or construction runoff. This kind of damage is not included in standard property coverage.
Commerical Umbrella Insurance: which helps protect your business from claims that exceed your policy limits by extending your liability coverage.
Cyber Insurance: to help protect your company from cyber threats and attacks.
Workers Comp: Workers compensation insurance to help your employees if they suffer work-related injuries or illnesses. Coverage requirements vary by state, so make sure you know if you need this type of insurance.
Error & Omissions Insurance (E&O): Which helps your business if your customer sues you for financial losses due to a mistake you made in the process of doing business. This coverage is also known as professional liability insurance.
As a small business owner getting the right type of insurance is important to protect your business. Many business owners start with a Business Owners Policy (BOP) for their commercial insurance needs.
What does a BOP cover? Property Liability Insurance & General Liability Insurance
Property Liability Insurance
Property liability insurance covers your business furniture and equipment at up to five different office locations, including accidental damage.
General Liability Insurance
General Liability protects your business from another person or business claims of bodily injury, associated medical costs and damage to their property.
With General Liability insurance you’re typically covered for the following:
Property Damage: You need not worry if you accidentally damage someone else’s property because, insurers will cover claims of damage if you’re held legally liable. Insurers may also cover legal costs if you’re sued without reducing your limits of liability.
Bodily Injury: You’re covered if someone other than yourself, or an employee is injured at your workplace, and if you’re held legally liable. Insurers also may cover legal costs if you’re sued without reducing your limits of liability.
Personal Injury: Insurers protect you against claims of libel or slander incurred through the delivery of your professional services.
Electronic Data Liability: This could be added for consultants and technology service providers, Insurers may cover your liability for loss of someone’s electronic data resulting from the physical damage of property (e.g. an employee accidentally damages a clients server resulting in the loss of the client’s data).
Advertising Injury: Insurers can protect you against the unintentional use of a third party’s advertising idea, copyright or trade slogan if its used as part of your advertising (press advertisement or email).
Damages to Premises Rented: If you rent or use a property with permission of the owner (e.g. office space or a conference facility) and cause a fire, our policy protection such a liability claim.
Medical Expenses: If an accident occurs and a third party is injured, your general liability insurance policy will also cover an associated medical expenses up to a specified amount (e.g. $5000) for each injured person.
Defense Costs: If you’re sued, Insurers can hire an attorney to defend you, if necessary. Insurers can defend a lawsuit even if the claims are groundless, insurers often will pay the defense costs on your behalf without reducing your limits of liability.
Actions of your Full-time employees and Temporary staff: Insurers can provide coverage for the actions of your full-time employees and temporary staff that are performed on behalf of your business.
Worldwide Insurance Coverage: Insurers can cover damages occurring in the United States, its territories and Canada. Insurers can offer some coverage for short periods of travel outside these areas.
Specialty Insurance is designed to cover rare and/or expensive specialty items or events. There are specialty insurance carriers that cover leisure activities and travel for consumers. Others cover specialty items like boats, classic cars, jet skis, etc.
Some example of Specialty Insurance include:
Wedding Insurance or Special Event Insurance: this policy can protect you from liability for accidents or injuries. Many events can be covered under this type of policy.
Travel Insurance: Travel insurance can provide protection for you and your property while traveling, domestically or aboard.
Ocean Marine Insurance: If your company owns or operates vessels that dock or offload in US ports, you need marine insurance. This type of coverage will cover claims under the Jones Act and the Longshoremen’s Act.
Pet insurance is used to protect your pet that falls outside of standard insurance coverage. Many insurance companies that specialize in protecting your pets.
Health insurance typically covers medical expenses for illnesses, injuries and condition. But, unlike a plan through an employer, individual health insurance is something you select and pay for on your own.
Reasons why Health Insurance is important:
-To safeguard your way of life and family’s physical and financial wellbeing
-Because accidents or health problems can happen at any time
-Medical expenses can be high. Often times medical expenses are a lead cause of bankruptcy
-To gain access to a network of doctors and hospitals that have negotiated lower rates with insurance companies
-Health insurance is important to gain access to pay and keep track of medical payments quickly and easily
It used to be that the only people who needed personal umbrella liability policies were wealthy individuals who had sizable amounts of personal assets that would be at risk in a lawsuit. However, in our very litigious society, even individuals with modest incomes and assets are often subjects of large lawsuits. Since they are even less able than a wealthy individual to pay large damage awards, they recognize the need to have coverage limits greater than what can be obtained from their homeowner or auto policies.
The personal umbrella liability policy is designed to increase your liability protection. This single policy acts as an “umbrella” over all your other personal liability policies – home, auto, boat, RV, etc. – so you have a higher personal liability limit than what would otherwise be available. In certain circumstances, an umbrella policy may provide personal liability coverage that is otherwise excluded from your other policies. For example, an umbrella policy provides coverage anywhere in the world, whereas your auto policy usually provides coverage in the US and Canada only.