Motor Vehicle

• Auto Insurance
  An SR-22 is simply a filing that your Auto Insurance company files with the CA DMV that lets them know you carry an active auto insurance policy. It's required when the DMV decides to allow a person driving privileges only if they carry valid Auto Insurance. An SR-22 filing allows the DMV to keep track of your Auto Insurance as the insurance companies are required to notify the DMV anytime your coverage becomes inactive. Usually in California, the DMV will require an SR-22 insurance policy to be carried for a term of 3 years, if at any time during these 3 years your SR-22 gets cancelled, the DMV will suspend your license pending proof of an active SR-22 policy as well as another reinstatement fee.
• Motorcycle Insurance
  Whether you're a weekend warrior, a casual rider, or a hardcore motorcyclist, our motorcycle insurance policies offer protection specifically for you, your bike, and your accessories. Our policy is designed to meet the personal and financial needs of motorcycle owners and enthusiasts.
• Boat Insurance
  We want to be your insurance agent of choice. We offer affordable Auto Insurance rates and discounts, plus maximum benefits and unmatched service. Our insurance agents want to make sure that your Auto and Watercraft Insurance policy fits your exact needs. From work trucks to classic cars, from minivans to convertibles; we can provide an insurance policy that actually protects your car.
• Mobile Home Insurance
  New Horizon Insurance Services is committed to serving all the diverse insurance needs of California individuals, families and businesses. From low cost California auto insurance to something as distinct as California mobile home insurance— we strive to provide our customers with the highest quality coverage and protection they need and deserve.

Property

• Renters Insurance
  Purchasing Renter's Insurance ensures that your property is protected. Don't make the mistake of thinking you are invincible; you need insurance for your belongings, even if you live in a rental property. You are the only one who is responsible for protecting your assets. Contact New Horizon Insurance Services today for more information or fill out our free renters insurance quote form!
• Home Insurance
  Purchasing Homeowners Insurance can get confusing, and at New Horizon Insurance Services we understand this. Many mortgage companies require it as part of their finance agreements with home-owners. If you are faced with the daunting task of shopping for homeowners insurance, you can place your trust in New Horizon Insurance Services. We are an independent insurance agency that can shop multiple carriers to get you the best home insurance policy available to you!

Health and Life

• Life Insurance
  Life Insurance is necessary for people of all ages; it is much more important than many realize. The reasons why you should purchase Life Insurance can vary and sometimes it is confusing to determine what type of life insurance policy you should buy. Financially speaking, your biggest asset isn't your home, your car or even your investments; it's your lifetime earning potential. Not only does your income cover basic cost of living expenses, it covers the considerable costs associated with healthcare, education and retirement. Nobody likes to think about premature death, but it's critical that you protect your family from this possibility by considering both term Life Insurance and permanent life insurance. Compare the costs and benefits to determine the best Life Insurance coverage for you and your family and select the option that works best for your particular situation. At New Horizon Insurance Services, we make understanding life insurance easy!
• Health Insurance
  New Horizon proudly works in conjunction with Rice Insurance Benefits to offer our clients the best health insurance packages possible.
• Disability Insurance
  Imagine that you are hurt and must take time off work. Does your employer provide Disability Insurance? Even if they do, does it cover the length of time you may be out of commission?

Business

• Business Insurance
  Although most business owner policies (BOPs) do provide Commercial Property Insurance coverage, this most often pertains only to the actual structure of your business. Under a BOP, generally, the structure of your business is covered from events of “peril” (i.e. weather-related damage) and causes of loss (i.e. Robbery). What about the furniture, computers, and equipment in your building? Who will cover the cost of replacing an outdoor sign?
• Commercial Property Insurance
  This is where Commercial Property Insurance comes in. A typical Commercial Property Insurance policy will cover the property of your business that a BOP will not. New Horizon Insurance Services can compile a Commercial Property Insurance line to include coverage for...
• Workers Compensation Insurance
  As a business owner, you do everything you can to protect your employees and company from potential dangers, but if you do not have workers Compensation Insurance you are assuming an enormous risk that could likely put you out of business. Most business owners understand that workers compensation is important, but did you know that if you have employees, it is required by law for most businesses to have coverage?
• Professional Liability Insurance
  If your company has the ability to make an error or omission that could result in big monetary loss, you should consider purchasing Professional Liability Insurance. No company is immune from a mistake that could cause a lawsuit or put it under. Professional liability insurance will make these large mishaps less painful.

Personal

• Liability Insurance
  It is important to know which market your business falls into before you shop for Liability Insurance. Those businesses that fall into the “excess surplus market” (i.e. “dangerous” occupations such as roofers, siders, etc.) have to purchase excess liability insurance. If your business falls into the “standard market” (i.e. technology companies, lawyers, etc.) then you qualify for General Liability Insurance.

Natural Disaster

• Flood Insurance
  If you live in a community that participates in the NFIP, your building and its contents can be covered by a Standard Flood Insurance policy. The National Flood Insurance Program (NFIP) was established by the Federal Government to help communities who “voluntarily participate in the NIFP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.
• Earthquake Insurance
  Depending on the coverage options you choose, Earthquake Insurance will cover the cost of your damaged home and any assets that are damaged on your property. Do not make the mistake of thinking earthquakes are regional or too far in-between, every area of the country is at risk for earthquake damage. Although some areas are much more of a risk than others, no area is immune.