Motor Vehicle

• Auto Insurance
  One of the most pressing concerns for residents is the relentless rise in insurance premiums, particularly for California auto insurance and homeowners policies. The cost of insurance is soaring, and it’s not showing signs of slowing down. The reasons behind these increases are numerous, from natural disasters like wildfires and earthquakes to inflation and changes in risk assessment by insurers. This means that many individuals and families are grappling with the burden of higher insurance costs, making it increasingly challenging to maintain comprehensive coverage.
• Motorcycle Insurance
  Your motorcycle insurance can include any or all of the options below. We know that insurance terminology can be mystifying. Let us help break it down for you! Click/tap on any of the subjects below to find out what the heck we’re talking about.
• Boat Insurance
  NHC Insurance Services can help you determine the right amount of coverage to meet your specific needs. Just give us a call today at 310-221-0917 to get started. Here are some items you’ll need to consider when shopping for boat insurance in California.
• RV Insurance
  Whether you’re an every-weekend warrior or you only use your Recreational Vehicle a couple times a year, RV Insurance can protect you. From motorhomes, travel trailers, campers and even your horse trailers – NHC can help. Consider the following when shopping for RV Insurance...
• Snowmobile Insurance
• Mobile Home Insurance
• ATV Insurance
  California offers a plethora of opportunities for adventure, unique experiences and creative income streams. With such a dynamic lifestyle, it's essential to consider insurance coverage that goes beyond the basics. Although not technically required by law, boat insurance in California and personal ATV insurance are a necessity for weekend [...]
• Inland Marine Insurance
  We’re not talking about fish out of water here. As opposed to “marine insurance,” which covers products when transported over water, Inland Marine Insurance covers products and equipment when transported over land or while temporarily warehoused.
• Golf Cart Insurance
• Dune Buggy Insurance

Property

• Renters Insurance
  Your renters insurance policy protects you and your family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select.
• Home Insurance
  As an independent insurance agency, we have access to many mobile/manufactured home insurance policies that many single-company insurance agencies just don’t have.
• Condo Insurance
  Condominium insurance is unique. Your condo insurance policy covers your personal property and liability, as well as additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement.
• Landlord Insurance
  A Landlord Protection policy gives you coverage to rebuild the Dwelling as well as some Liability protection should somebody get injured while visiting. We always recommend our Landlords require their tenants carry a renters policy in their lease agreements and to be added as an Additional Interest to that renter’s policy.

Business

• Business Insurance
  Many insurance agencies represent a single company with a limited, often “cookie cutter” approach to policies and services. As an independent agency, NHC Insurance Services has access to numerous, highly rated California insurance providers with a wide variety of policy options. This allows us to create customized personal and business insurance packages tailored to your specific needs and budget.
• Commercial Property Insurance
  Commercial property insurance is a critical coverage for business owners. It helps protect your business’ physical location and property, including your...
• Workers Compensation Insurance
  Did you know that workers compensation is required by law in many states? Any employer that lacks this vital coverage faces the consequence of state fines, penalties, and unexpected financial obligations.
• 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. NHC Insurance Services recommends that all businesses have general liability coverage in place. Bodily injury, property damage, personal injury, and advertising injury are all covered under this policy. Most if not all properly written contracts will require this basic insurance whether it be for work performed or as a tenant of a building and as the building owner.
• Professional Liability Insurance
  Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. To think about this in the simplest of terms, just think if you were to make an “Error or Omission” while in the process of doing your job as a Professional in your field (which is why it is also called Professional Liability).

Personal

• Liability Insurance
  An umbrella isn’t just that thing we use to keep us dry in a rainstorm. When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving or closing.

Natural Disaster

• Flood Insurance
  If you are in a “High Flood Zone” you may want to purchase EXCESS Flood Coverage.Excess flood insurance would cover costs beyond the $250,000, allowing the homeowner to insure their property for the full replacement cost.
• Earthquake Insurance
  When it comes to protecting your property and possessions, what are the two most important things to know about Earthquake Insurance?