California Casualty Insurance coverage Firm Overview


This is the Scoop

  • California Casualty affords over a dozen insurance coverage merchandise in all states besides six
  • This firm sells insurance coverage to lecturers, nurses, firefighters, and regulation enforcement officers
  • Prospects typically depart optimistic critiques, and the Higher Enterprise Bureau offers them an A+

Some corporations deal with promoting a particular sort 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 prospects.

California Casualty is likely one of the latter. Catering solely to lecturers, firefighters, law enforcement officials, and nurses, California Casualty desires to have fun the individuals who assist their communities. With over a dozen merchandise starting from traditional automotive insurance coverage to snowmobile protection, it has one thing for everybody.

You may discover what California Casualty has to supply beneath. If this firm looks like a superb match on your wants, you may evaluate quotes with different corporations to make sure you get one of the best charges potential.

What’s California Casualty Insurance coverage firm?

Based in 1914, California Casualty’s identify is just a little 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 particular mission of promoting insurance coverage. It desires to guard people who serve their native communities. To that finish, California Casualty sells solely to firefighters, regulation enforcement officers, nurses, and educators.

This California-based firm sells quite a lot of insurance coverage merchandise, which you’ll be able to find out about beneath.

California Casualty Automobile Insurance coverage

As a automotive insurance coverage supplier, you should buy the usual protection merchandise discovered by most rivals. 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 may legally drive.
  • Collision. Whereas legal responsibility covers harm you trigger to different individuals, collision covers harm performed to your automotive in an accident. Collision covers you regardless of who causes the accident.
  • Complete. This protection protects your automobile from harm exterior of accidents. This consists of harm from hearth, climate, theft, vandalism, and animal contact.
  • Underinsured/underinsured motorist. Whereas most states require drivers to hold insurance coverage, not all drivers obey the regulation. Uninsured/underinsured motorist protects you from drivers with insufficient insurance coverage.
  • Medical funds. Being injured in a automotive accident comes with giant medical payments. If you buy medical funds protection, your insurance coverage will assist pay for it.

Whereas these are the usual sorts of insurance coverage, California Casualty affords a number of add-on choices to extend the worth of your coverage. They’ve add-ons crafted particularly for neighborhood servants, particularly for firefighters and law enforcement officials. These embody:

  • Turnout gear and firearms protection. In case your firefighting or regulation 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. Folks typically take pleasure in upgrading or customizing their vehicles, however insurance coverage often doesn’t cowl customized components. Nonetheless, this characteristic will cowl non-factory components.
  • GAP protection. In case you whole a brand new automotive, you may owe extra in your mortgage than the automotive is value. GAP protection pays the distinction between your mortgage and the worth of your automobile.

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

California Casualty Dwelling Insurance coverage

For educators, nurses, firefighters, and law enforcement officials, California Casualty may be one of the best house insurance coverage possibility on the market.

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

  • Dwelling. This portion of your coverage protects the bodily construction of your house, 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 will sue you in the event you’re accountable for the incident. Legal responsibility helps pay on your authorized charges in case you are sued.
  • Private property. There’s much more that makes your home a house than partitions and a roof. Private belongings corresponding to home equipment, furnishings, and even clothes will be changed by your insurance coverage.
  • Residing bills. If your house is broken to the purpose it’s unlivable, California Casualty will reimburse you for lodging and meals prices when you look ahead to repairs.

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

  • Off-duty weapons theft. In case your personally-owned off-duty weapons are stolen out of your property, you may rise up to $5,000 to switch them.
  • Fallen hero/fallen officer survivor. If a firefighter or police officer dies within the line of responsibility, their household will obtain a loss of life profit.
  • College violence loss of life survivor. With elevated violence on American campuses, an educator’s household will obtain a loss of life 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 Sorts of Insurance coverage From California Casualty

Insurance coverage is likely one of the greatest issues you will get to guard the issues that matter in your life. With that in thoughts, California Casualty affords a protracted listing of insurance coverage merchandise:

  • Bike. Much like commonplace auto insurance policies, bike insurance coverage is tailor-made with bikes in thoughts. Most states require bike insurance coverage to drive.
  • Mexico journey. In case you 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 house owners want safety much like owners, however there are distinctive variations that this plan accounts for.
  • Traditional automotive. In contrast to fashionable vehicles, traditional vehicles are an funding, and your insurance coverage coverage ought to defend them as such.
  • Snowmobile. They could be leisure autos to most, however California Casualty takes their safety significantly. You could find lots of the similar sorts of protection for snowmobiles as you’ll 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. Nonetheless, 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 need to personal a house to get safety on your belongings. Renters insurance coverage protects your private property and is often extremely inexpensive.

It is a small number of the insurance coverage choices you should purchase by California Casualty. You may study extra about their protection choices by talking with an agent.

Enter your ZIP code beneath to view corporations which have low cost insurance coverage charges.

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How a lot does California Casualty value?

Drivers ought to anticipate to pay extra for protection by California Casualty. The corporate embraces its steeper costs with the philosophy that peace of thoughts is value the associated fee.

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

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

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

California Casualty Critiques

California Casualty’s mission is to assist lecturers, nurses, and different neighborhood servants, and it appears to be carrying out that aim comparatively properly. Most buyer critiques are optimistic.

Completely happy policyholders state that they are going to be California Casualty prospects 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 critiques to make sure prospects nonetheless want the protection they initially purchased. Many purchasers talked about the overview and stated it saved them cash on their insurance coverage.

Folks principally report that the claims course of is lightning quick, and there are not any points getting claims paid.

Detrimental critiques are more durable to search out. Those that do exist principally point out issues with canceling insurance policies.

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

Discover the Finest Automobile Insurance coverage for Your Wants

Though you have to be a trainer, nurse, firefighter, police officer, or different neighborhood servant to be eligible, California Casualty may be the best choice for you in the event you qualify. California Casualty has merchandise for nearly any insurance coverage want.

Even in the event you’re all for a quote for California Casualty insurance coverage, it’s best to nonetheless store for charges from different corporations. Whereas most prospects are glad they went with California Casualty, there may be higher charges for you.

Enter your ZIP code beneath to view corporations which have low cost insurance coverage charges.

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Ashley Dannelly

College Professor and Private Coach

Ashley Dannelly has a Grasp of Arts in English and teaches English at Columbia Worldwide College and different larger schooling establishments. She can also be an authorized 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 …

College Professor and Private Coach

Rachael Brennan

Licensed Insurance coverage Agent

Rachael Brennan has been working within the insurance coverage business 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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