Motor Vehicle

• Auto Insurance
  Many states today require drivers to have auto insurance if they are operating a vehicle out on the road. This protects drivers in case of an accident, injury, or property damage. In fact, many dealers will not let you obtain financing or drive off the lot without insurance.
• Motorcycle Insurance
  Your motorcycle insurance policy can include any or all of the options below. Call us today to discuss what coverage is best for you.
• Boat Insurance
  Do you know what to look for in a Palm Springs watercraft insurance policy? Canyon Pacific Insurnace can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.
• RV Insurance
  RV insurance can protect your motorhome, travel trailer, camper and even your horse trailer. Let Canyon Pacific Insurnace help you select the right coverage for your RV needs and get a great price at the same time. You can even request a quote online and we'll get back to you with quotes from multiple companies so you can compare and save!
• Snowmobile Insurance
• Mobile Home Insurance
  If you own a mobile home or manufactured home, you may think you are not eligible for a homeowner policy. This is incorrect, however. There is in fact mobile home insurance available especially for you.
• Inland Marine Insurance
  Coverage for goods in transit, and for the commercial vehicles that transport them, on water and over land. The term may apply to inland marine but more generally applies to ocean marine insurance. Covers damage or destruction of a ship s hull and cargo and perils include collision, sinking, capsizing, being stranded, fire, piracy, and jettisoning cargo to save other property. Wear and tear, dampness, mold, and war are not included. (See Inland marine insurance, Ocean marine insurance)
• Golf Cart Insurance
• Dune Buggy Insurance

Property

• Renters Insurance
  Your renters insurance policy also protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected.
• Home Insurance
  Do you own a property that you rent out to short-term vacationers? Are you an Airbnb or Vrbo owner? You may want to replace or supplement your homeowner insurance policy with a vacation rental insurance policy that covers both personal and commercial use of your property.
• Condo Insurance
  Condominium insurance is unique. Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement.
• Landlord Insurance
  The answer is to have coverage from a landlord insurance policy. Like a regular homeowner policy, it protects your dwellings and any contents that belong to you in the event of fire, vandalism, and similar catastrophic events. If you have a tenant who leaves the property seriously damaged, your landlord insurance would cover repairs to get you up and running again soon, which goes beyond what you get from a mere tenant security deposit.

Health and Life

• Life Insurance
  A life insurance policy option that provides policy proceeds to insured individuals over their lifetimes, in the event of a terminal illness. This is in lieu of a traditional policy that pays beneficiaries after the insured's death. Such benefits kick in if the insured becomes terminally ill, needs extreme medical intervention, or must reside in a nursing home. The payments made while the insured is living are deducted from any death benefits paid to beneficiaries.
• Health Insurance
  In property insurance, requires the policyholder to carry insurance equal to a specified percentage of the value of property to receive full payment on a loss. For health insurance, it is a percentage of each claim above the deductible paid by the policyholder. For a 20 percent health insurance coinsurance clause, the policyholder pays for the deductible plus 20 percent of his covered losses. After paying 80 percent of losses up to a specified ceiling, the insurer starts paying 100 percent of losses.
• Long Term Care
  Long-term care (LTC) insurance pays for services to help individuals who are unable to perform certain activities of daily living without assistance, or require supervision due to a cognitive impairment such as Alzheimer's disease. LTC is available as individual insurance or through an employer-sponsored or association plan.

Business

• Business Insurance
  If you own a business, whether a sole proprietorship or a large company with many employees, you probably worked hard to get where you are today. Don’t let that all go away overnight by not carry the proper business insurance.
• Commercial Property Insurance
  A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent insurance agent, Canyon Pacific Insurnace can help you determine the type of insurance policy and range of coverage that is best for your business.
• Workers Compensation Insurance
  Workers compensation insurance: this insurance helps take care of your employees in the event they are injured on the job. It gives both your workers, and you as the employer security, especially in high-risk industries.
• Commercial Liability Insurance
  General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. Canyon Pacific Insurnace recommends that all businesses have general liability coverage in place.
• Professional Liability Insurance
  Products designed for and bought by businesses. Among the major coverages are boiler and machinery, business income, commercial auto, comprehensive general liability, directors and officers liability, fire and allied lines, inland marine, medical malpractice liability, product liability, professional liability, surety and fidelity, and workers compensation. Most of these commercial coverages can be purchased separately except business income, which must be added to a fire insurance (property) policy. (See Commercial multiple peril policy )

Personal

• Annuities
  In certain types of annuities, a person who receives annuity contract payments if the annuity owner or annuitant dies while payments are still due.
• Liability Insurance
  To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.
• Travel Insurance
  Insurance to cover problems associated with traveling, generally including trip cancellation due to illness, lost luggage and other incidents.
• Identity Theft Insurance
  Coverage for expenses incurred as the result of an identity theft. Can include costs for notarizing fraud affidavits and certified mail, lost income from time taken off from work to meet with law-enforcement personnel or credit agencies, fees for reapplying for loans and attorney's fees to defend against lawsuits and remove criminal or civil judgments.

Natural Disaster

• Flood Insurance
  Furthermore, many people believe they do not need earthquake or flood insurance, when in fact they do. Consider these facts...
• Earthquake Insurance
  We can help you find the right earthquake insurance for your needs. Depending on the policy you get, you would likely get coverage for damage to your home and other structures, like your garage, as well as the contents of your home, and additional living expenses if you are displaced. It may also cover sinking, mudslides, and the like, although earthquake coverage does not include damage from tidal waves, floods, or tsunamis. You should talk about the particulars of your earthquake policy coverage with your agent.