Motor Vehicle

• Auto Insurance
  Whether you have a commute to work or only drive on the weekends, you are legally required to carry auto insurance. Being properly insured can help save you from financial headaches when a claim arises.  But how much coverage do you really need?
• Boat Insurance
  Almost all vehicles or vessels should be insured, including sailboats, motorboats, yachts and personal watercrafts. As any watercraft owner knows, those are a big investment. Protect your watercraft from accidents or incidents with proper watercraft coverage.
• Mobile Home Insurance
  Mobile home insurance policies cover your mobile home and adjacent structures, such as patios, decks or sheds. Like homeowners’ insurance, your policy safeguards against several perils, include personal property and liability.
• Inland Marine Insurance
  Named for its original role in the protection of marine shipped cargo, modern-day inland marine insurance fills gaps in commercial property protections—whether that property is on land, sea or in the air. Businesses in different industries may need different types of coverage as part of their inland marine package, including the following...

Property

• Renters Insurance
  Do you rent where you live and have assets that need protecting? A Renters policy is designed to cover your personal property including your furniture, clothing, electronics, jewelry and collectables and any liability exposures you are legally responsible for. It can also help save you some money when bundled with an auto policy.
• Home Insurance
  Your home may be the biggest investment you ever make, and proper insurance coverage is paramount in ensuring that investment remains protected. Without it, you are vulnerable to significant financial loss due to property damage or liability exposures. Personal liability and property coverage, which are the two main components of homeowners insurance, will provide a safeguard. Personal liability coverage on a homeowners policy protects against a lawsuit if someone is injured, and property insurance protects you against structural, personal property damage and loss of use due to fire, burst pipes, theft or vandalism.

Health and Life

• Life Insurance
  We understand that for people, insurance can be a confusing subject The fact is you have better things to think about than premiums, deductibles, and policy limits, like what to have for dinner or what is this weekend’s schedule. Whether you need coverage for all your personal assets, including life insurance, or for your business, we can help! Established over 43 years ago, the agency and its experienced insurance agents know insurance and we want to show you how exciting and important it is for you!
• Health Insurance
  A strategic, high-quality benefits package can help you attract and retain top-tier employees. Benefits packages provide value to your workers while also keeping them healthy and productive. While some benefits, such as medical insurance, are generally required by law, other benefits are optional. RDS Insurance Brokers will work with you to design a comprehensive and competitive employee benefits package that is attractive to your employees and affordable for you.
• Disability Insurance
• Long Term Care
• Vision Insurance
  Likewise, vision insurance is sometimes undervalued by employers while employees tend to see it as a high-value component of an employer-sponsored benefits package. Vision insurance supplements the costs of visits to the optometrist and the purchase of contact lenses or glasses, all with a nominal cost to employers.

Business

• Business Insurance
  There are many factors to consider when building a business policy. Here at RDS Insurance Brokers, we have experience in building these policies, and in tailoring them to fit the specific needs of each of our clients. This means that no matter what industry your business is in, RDS Insurance Brokers will customize a California, Arizona, Idaho, Nevada, or Texas business insurance policy just for you!
• Commercial Property Insurance
  As a business owner, you’ve made a significant investment in your company’s commercial property. The building you lease or own, the equipment that keeps your business running and the inventory stored inside, all require comprehensive insurance protection. At RDS Insurance Brokers, we work with you to develop a comprehensive commercial property insurance policy that protects your business and provides peace of mind.
• Workers Compensation Insurance
  Workers’ compensation insurance protects employees who are injured on the job. While many employees across the United States are appreciative of the benefits of workers’ compensation coverage, some business owners may not realize that workers’ compensation insurance is designed to protect employers as well.
• Professional Liability Insurance
• Builders Risk Insurance
  Construction projects, regardless of size, present many complex exposures that can be overwhelming for project owners. In fact, if an on-the-job incident results in construction delays or project downtime, the impact on overall project cost can be significant. Course of construction coverage (also known as builders risk coverage) is a type of property insurance designed to cover your property during construction, renovation, or repair. The agents at RDS Insurance Brokers understand the risks involved with construction and can help you find a builder’s risk policy that protects you and your assets.

Personal

• Liability Insurance
  Whether you need to protect your car and home, want insurance for the possessions in your apartment, or need an umbrella policy for peace of mind, our agents will provide you with outstanding service and the policies you need. We pride ourselves on finding you the proper coverage at a reasonable premium. RDS is based in CA but can assist you with coverage in Arizona, Colorado, Idaho, Nevada, and Texas.
• Travel Insurance
  The vacations you plan could cost thousands of dollars. Between airfare, hotels and tours, people lose their deposits all too often due to inclement weather or forces beyond their control. Travel insurance guarantees that your money is protected if there is a last-minute change in plans.
• Pet Insurance
  Medical expenses are not limited to our two-legged loved ones.  Our pets are important to us and protecting their health or caring for them in an emergency can be stressful and costly.  Pet insurance helps with those expenses.

Natural Disaster

• Flood Insurance
  Whether you live on the coast or inland you could be at risk for a flood.  Flood Insurance is not covered by your standard homeowner policy and requires a separate policy. It can cover your building and its contents; it is important to protect your important financial assets.