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California Casualty Insurance coverage Firm Evaluation

Here is the Scoop

  • California Casualty provides over a dozen insurance coverage merchandise in all states besides six
  • This firm sells insurance coverage to academics, nurses, firefighters, and legislation enforcement officers
  • Clients typically go away optimistic opinions, and the Higher Enterprise Bureau provides them an A+

Some firms deal with promoting a selected kind of insurance coverage to hone their course of and supply a streamlined product. Others solid a large web of merchandise so they could be a one-stop-shop for his or her clients.

California Casualty is without doubt one of the latter. Catering solely to academics, firefighters, cops, and nurses, California Casualty desires to have fun the individuals who help their communities. With over a dozen merchandise starting from basic automotive insurance coverage to snowmobile protection, it has one thing for everybody.

You’ll be able to discover what California Casualty has to supply beneath. If this firm looks like match in your wants, you possibly can evaluate quotes with different firms to make sure you get one of the best charges attainable.

What’s California Casualty Insurance coverage firm?

Based in 1914, California Casualty’s title is a bit deceptive. It sells insurance coverage merchandise all through the U.S. apart from in Washington, New York, Massachusetts, Hawaii, Michigan, and Alaska.

California Casualty has a selected mission of promoting insurance coverage. It desires to guard folks that serve their native communities. To that finish, California Casualty sells solely to firefighters, legislation enforcement officers, nurses, and educators.

This California-based firm sells a wide range of insurance coverage merchandise, which you’ll study beneath.

California Casualty Automobile Insurance coverage

As a automotive insurance coverage supplier, you should buy the usual protection merchandise discovered by most opponents. These embody:

  • Legal responsibility. Legal responsibility insurance coverage covers harm you trigger to different individuals and property. Most states require a minimal quantity of legal responsibility protection earlier than you possibly can legally drive.
  • Collision. Whereas legal responsibility covers harm you trigger to different individuals, collision covers harm achieved to your automotive in an accident. Collision covers you irrespective of who causes the accident.
  • Complete. This protection protects your automobile from harm outdoors of accidents. This consists of harm from fireplace, climate, theft, vandalism, and animal contact.
  • Underinsured/underinsured motorist. Whereas most states require drivers to hold insurance coverage, not all drivers obey the legislation. Uninsured/underinsured motorist protects you from drivers with insufficient insurance coverage.
  • Medical funds. Being injured in a automotive accident comes with massive medical payments. If you buy medical funds protection, your insurance coverage will assist pay for it.

Whereas these are the usual forms of insurance coverage, California Casualty provides a number of add-on choices to extend the worth of your coverage. They’ve add-ons crafted particularly for group servants, particularly for firefighters and cops. These embody:

  • Turnout gear and firearms protection. In case your firefighting or legislation enforcement gear is stolen, broken, or destroyed in your automobile, California Casualty will restore or substitute it.
  • Pet harm. So long as the incident is roofed, California Casualty will assist pay for vet payments in case your pet is injured.
  • Customized or non-factory gear. Individuals typically take pleasure in upgrading or customizing their automobiles, however insurance coverage often doesn’t cowl customized elements. Nevertheless, this characteristic will cowl non-factory elements.
  • GAP protection. If you happen to complete a brand new automotive, you would possibly owe extra in your mortgage than the automotive is price. GAP protection pays the distinction between your mortgage and the worth of your automobile.

Within the spirit of celebrating group servants, California Casualty additionally provides sabbatical return advantages and a fallen hero/fallen survivor profit.

California Casualty House Insurance coverage

For educators, nurses, firefighters, and cops, California Casualty is likely to be one of the best residence insurance coverage possibility on the market.

California Casualty provides the same old suite of insurance coverage choices, together with:

  • Dwelling. This portion of your coverage protects the bodily construction of your property, together with the partitions, roof, and basis. It additionally covers freestanding buildings like garages and fences.
  • Legal responsibility. If a visitor is injured in your property, they’ll sue you when you’re chargeable for the incident. Legal responsibility helps pay in your authorized charges if you’re sued.
  • Private property. There’s much more that makes your home a house than partitions and a roof. Private belongings similar to home equipment, furnishings, and even clothes might be changed via your insurance coverage.
  • Dwelling bills. If your property is broken to the purpose it’s unlivable, California Casualty will reimburse you for lodging and meals prices when you look forward to repairs.

As with its automotive insurance coverage, California Casualty provides a number of add-ons meant to have fun the work of group servants. These embody:

  • Off-duty weapons theft. In case your personally-owned off-duty weapons are stolen out of your property, you possibly can stand up to $5,000 to exchange them.
  • Fallen hero/fallen officer survivor. If a firefighter or police officer dies within the line of responsibility, their household will obtain a dying profit.
  • College violence dying survivor. With elevated violence on American campuses, an educator’s household will obtain a dying profit if they’re killed in an assault throughout faculty hours.

California Casualty additionally covers misplaced baggage, debit or bank card fraud, private property for educators, and educators extra legal responsibility.

Different Kinds of Insurance coverage From California Casualty

Insurance coverage is without doubt one of the greatest issues you may get to guard the issues that matter in your life. With that in thoughts, California Casualty provides an extended record of insurance coverage merchandise:

  • Bike. Much like commonplace auto insurance policies, motorbike insurance coverage is tailor-made with bikes in thoughts. Most states require motorbike insurance coverage to drive.
  • Mexico journey. If you happen to plan on driving to Mexico, your American insurance coverage received’t work south of the border. California Casualty works immediately with Mexican insurance coverage companies to make sure you have the protection you want.
  • Rental. Rental homeowners want safety much like householders, however there are distinctive variations that this plan accounts for.
  • Traditional automotive. Not like trendy automobiles, basic automobiles are an funding, and your insurance coverage coverage ought to shield them as such.
  • Snowmobile. They could be leisure automobiles to most, however California Casualty takes their safety severely. You could find lots of the identical forms of protection for snowmobiles as you’d with a automotive.
  • Private umbrella. In case your legal responsibility insurance coverage runs out earlier than your authorized payments are paid, you’ll be caught with the invoice. Nevertheless, a private umbrella plan takes over after legal responsibility ends to cowl authorized prices.
  • Boat. California Casualty’s boat insurance coverage protects the watercraft and your friends.
  • Renters. You don’t should personal a house to get safety in your belongings. Renters insurance coverage protects your private property and is often extremely inexpensive.

It is a small choice of the insurance coverage choices you should purchase via California Casualty. You’ll be able to study extra about their protection choices by talking with an agent.

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How a lot does California Casualty value?

Drivers ought to count on to pay extra for protection via California Casualty. The corporate embraces its steeper costs with the philosophy that peace of thoughts is price the fee.

Though California Casualty costs are about 30% larger than the nationwide common, it does supply a variety of reductions to assist deliver the worth again down. These embody:

  • Bundling
  • Multi-car
  • School graduate
  • Good pupil
  • Mature driver
  • Non-smoker
  • Security and safety features
  • Retired

Once more, That is solely a pattern of the options California Casualty provides. Once you join a coverage with this firm, an agent will comb via your particulars to be sure to get each low cost attainable.

California Casualty Critiques

California Casualty’s mission is to help academics, nurses, and different group servants, and it appears to be undertaking that purpose comparatively properly. Most buyer opinions are optimistic.

Completely satisfied policyholders state that they are going to be California Casualty clients for all times and that they recognize the particular care taken with their wants. Whereas they just like the aggressive costs, they love the popularity of the companies they carry out for his or her communities.

California Casualty performs annual coverage opinions to make sure clients nonetheless want the protection they initially purchased. Many purchasers talked about the evaluate and stated it saved them cash on their insurance coverage.

Individuals largely report that the claims course of is lightning quick, and there aren’t any points getting claims paid.

Adverse opinions are more durable to search out. Those that do exist largely point out issues with canceling insurance policies.

For skilled ranking companies, the Higher Enterprise Bureau provides California Casualty an A+, although there are a number of complaints listed on the positioning. A.M. Greatest, which charges firms on their monetary safety, provides this supplier a BBB-.

Discover the Greatest Automobile Insurance coverage for Your Wants

Though you have to be a trainer, nurse, firefighter, police officer, or different group servant to be eligible, California Casualty is likely to be the best choice for you when you qualify. California Casualty has merchandise for almost any insurance coverage want.

Even when you’re interested by a quote for California Casualty insurance coverage, you must nonetheless store for charges from different firms. Whereas most clients are glad they went with California Casualty, there is likely to be higher charges for you.

Editorial Pointers: We’re a free on-line useful resource for anybody interested by studying extra about insurance coverage. Our purpose is to be an goal, third-party useful resource for all the pieces insurance coverage associated. We replace our website recurrently, and all content material is reviewed by insurance coverage specialists.

Ashley Dannelly has a Grasp of Arts in English and teaches English at Columbia Worldwide College and different larger schooling establishments. She can be a licensed private coach with the American Council on Train and trains purchasers in each particular person and group settings.
Ashley’s background in English and health has allowed her the chance to write down and create content material for a lot of …

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Written by

Ashley Dannelly
Licensed Private Coach
Ashley Dannelly

Rachael Brennan has been working within the insurance coverage trade since 2006 when she started working as a licensed insurance coverage consultant for twenty first Century Insurance coverage, throughout which period she earned her Property and Casualty license in all 50 states.
After a number of years she expanded her insurance coverage experience, incomes her license in Well being and AD&D insurance coverage as properly. She has labored for small well being insu…

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Reviewed by

Rachael Brennan

Licensed Insurance coverage Agent

Rachael Brennan



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