Diamond Certified Companies are Rated Highest in Quality and Helpful Expertise.

  • Why this rating is the most accurate.
  • Our editors gather deep company info.
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Diamond certified companies are top rated and guaranteed

Why Trust Diamond Certified Auto, Home, and Life Insurance Firms Rated Highest in Quality?

You are the customer. If your goal is to choose a home, auto and life insurance company that will deliver high customer satisfaction and quality, you’ll feel confident in choosing a Diamond Certified life, home and auto insurance company. Each has been rated Highest in Quality in the most accurate ratings process anywhere. And you’re always backed by the Diamond Certified Performance Guarantee. Here’s why the Diamond Certified ratings and certification process will help you find a top-rated auto, life and home insurance company and is unparalleled in its accuracy, rigor and usefulness:

1) Accuracy: All research is performed by live telephone interviews that verify only real customers are surveyed, so you’ll never be fooled by fake reviews.

2) Statistical Reliability: A large random sample of past customers is surveyed on an ongoing basis so the research results you see truly reflect a Diamond Certified company’s top-rated status.

3) Full Disclosure: By clicking the name of a company above you’ll see the exact rating results in charts and read verbatim survey responses as well as researched articles on each qualified company.

4) Guaranteed: Your purchase is backed up with mediation and the Diamond Certified Performance Guarantee, so you can choose with confidence.

Click on the name of a Diamond Certified company above to read ratings results, researched articles and verbatim customer survey responses to help you make an informed decision.

More than 200,000 customers of local companies have been interviewed in live telephone calls, and only companies that score Highest in Quality in customer satisfaction–a 90+ on a 100 scale–as well as pass all of the credential-based ratings earn Diamond Certified. By requiring such a high score to qualify, the Diamond Certified program eliminates mediocre and poorly performing companies. Read detailed information about the ratings and certification process.

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DIAMOND CERTIFIED EXPERT CONTRIBUTORS IN THE Sonoma County – Insurance – Auto, Home & Life CATEGORY

David Hodges is a 30-year veteran of the insurance industry and vice president of Vantreo Insurance Brokerage, a Diamond Certified company since 2002. He can be reached at (877) 301-2017 or by email.

David Hodges

diamond certified contributor profile and expert article

David Hodges: A Leading Role

By James Florence, Diamond Certified Program Reporter

SANTA ROSA — As a young actor, David Hodges was naturally excited about landing the lead role in a San Francisco theatrical production. However, he didn’t realize that this experience would set the stage for something much bigger. “While preparing for a production at the Curran Theater in San Francisco, another cast member and I carpooled from Santa Rosa every night for rehearsal,” he remembers. “He was an insurance agent, and over the course of riding with him for several months, he convinced me to start selling life insurance.”

David says his experience as an actor benefited him greatly in his subsequent career. “One of the things I learned from acting was the art of listening. A director once told me to stop acting and start reacting—to listen to how a line was being said and respond honestly. That was one of the best pieces of advice I’ve ever received, and it’s something I regularly apply in my profession.”

Today, as vice president of Vantreo Insurance Brokerage, David says his favorite part of his job is finding solutions to his clients’ problems. “I think an insurance broker’s job is similar to that of a mechanic or doctor in that it requires an ability to listen, diagnose and repair problems. By talking with my clients and determining their needs, I’m able to fix the things that aren’t working for them and enhance those that are.”

A resident of Sea Ranch (where he lives with his wife, Nancy), David says his favorite part of living and working in the Bay Area is his unique daily commute. “I’m a pilot, and every morning I fly my plane from Sea Ranch to Santa Rosa for work. It’s a really scenic flight, starting over the ocean and then going over Sonoma County forests and vineyards. It’s a nice thing to wake up to—plus, it only takes me 15 minutes to fly to my destination, whereas it takes about 90 minutes to drive.”

Outside of work, David engages in a variety of pastimes, from hunting and golfing to writing music and gardening. However, he says a substantial portion of his free time revolves around aquatic activities. “The ocean is a big part of my life. I have a boat in Bodega Bay and enjoy going fishing and abalone diving with friends.” Additionally, David says he looks forward to family get-togethers during the holidays. “Nancy and I have five grown children, and we all get together for Christmas and Easter, which is always a lot of fun.”

In his life and career, David espouses the importance of having the right motivation. “I take an ‘if it’s not broken, don’t fix it’ approach to my job,” he explains. “If someone asks me for a second opinion after getting a quote from another broker, if it looks good, I tell them so and walk away rather than try to be a salesman. Obviously, being an insurance broker involves sales, but at the end of the day, you’re supposed to be solving problems, not trying to gain at the expense of your clients.”

When asked the first thing he’d do if he could retire tomorrow, David says he wouldn’t. “I’ll never retire—working is enjoyable to me. However, I do have plans to work less than I do right now. I’ve been mentoring a young man in the business, so by the time I’m ready to cut back, he’ll be prepared to take on some of my workload.”

Ask Me Anything!

Q: What’s your favorite restaurant?
A: St. Orres in Gualala—it’s a French restaurant that serves a lot of wild game.

Q: What’s your favorite thing to do on a rainy day?
A: Stay inside and watch the ocean. We have a great view of it from our home, so I love to just sit there with a hot drink and try to spot whales and porpoises.

Q: What’s one website you visit on a daily basis?
A: Facebook, because all my kids are on it.

Q: Do you have a favorite movie?
A: Yes, and it’s considered one of the worst movies of all time by most critics: “Dune.” My second favorite movie is “Forrest Gump,” and my third is “It’s a Wonderful Life.”

Q: What’s your favorite thing to eat for breakfast?
A: Chicken fried steak, eggs over easy, wheat toast, hash browns and a cup of coffee.

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Keeping in Compliance with the Affordable Care Act

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SANTA ROSA — If you’re a small business owner, you understand the importance of financial organization. In the age of the Affordable Care Act, it’s more important than ever for businesses to be proactive about compliance with federal regulations, which… Read more

Expert Video Tip

Video: Avoiding Pitfalls with the Affordable Care Act

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Complete Video Transcription:

SANTA ROSA — Host, Sarah Rutan: If you’re a business owner, you’ll want to be aware of upcoming changes to the Affordable Care Act and how… Read more

SELECTED PHOTOS FROM THESE TOP RATED COMPANIES

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INDUSTRY INFORMATION AND RESEARCHED ARTICLES BY THE DIAMOND CERTIFIED RESOURCE

  • Kaiser Permanente

  • Anthem Blue Cross

  • Chartis

  • CNA

  • Golden Eagle

  • Guardian Anytime

  • Mercury Insurance Group

  • The Hartford

  • Travelers Insurance

  • Blue Shield

AAA Auto Insurance
Progressive Insurance
AIG Life Insurance
Colonial Penn Insurance
Farmers Insurance
Hartford Life Insurance
Liberty Mutual Insurance
Travelers Insurance
Prudential Insurance
ING Insurance
Mass Mutual Insurance
Mutual of Omaha Insurance
Nationwide Life Insurance
SunAmerica Insurance
Zurich American Insurance
Allianz Life Insurance
State Farm Insurance
Liberty Mutual Insurance
Allstate Insurance
Nationwide Insurance
Metlife Insurance
Geico Insurance
Esurance Insurance
21st Century Insurance

comprehensive car insurance
collision auto insurance
full coverage car insurance
personal injury protection (PIP)
liability insurance
flood insurance
condominium insurance
fire damage insurance
disability insurance
lightning insurance
property insurance
perpetual insurance
older home insurance
whole life insurance
variable life insurance
universal life insurance
term insurance
accidental death insurance
life protection policies
investment policies
auto insurance coverage
homeowners insurance coverage
life insurance
renters insurance / tenant insurance

Agua Caliente
Alexander Valley
Annapolis
Asti
Bloomfield
Bodega
Bodega Bay
Boyes Hot Springs
Camp Meeker
Cazadero
Cloverdale
Cotati
Duncans Mills
El Verano
Eldridge
Fallon
Fetters Hot Springs
Forestville
Fort Ross
Freestone
Fulton
Geyserville
Glen Ellen
Graton
Guerneville
Guernewood
Healdsburg
Jenner
Kenwood
Lakeville
Larkfield
Lytton
Mark West
Monte Rio
Occidental
Penngrove
Petaluma
Rio Nido
Rohnert Park
Roseland
Russian River
Russian River Meadows
Salmon Creek
Santa Rosa
Schellville
Sebastopol
Sheridan
Sonoma
Stewarts Point Rancheria
Temelec
the Geysers
Sea Ranch
Two Rock
Valley Ford
Villa Grande
Vineburg
Windsor

94922
94923
94927
94928
94931
94951
94952
94953
94954
94955
94972
94975
94999
95401
95402
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95404
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95406
95407
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95412
95416
95419
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Insurance companies that offer home, life and auto insurance often have connections to local associations and agencies that offer support, training, and additional information. Some of these associations also offer information for consumers about choosing an insurance agent or broker, and the insurance industry in general.

If you can't find the information you need from local insurance brokers, the following associations and agencies may be able to help you.

California Department of Insurance (DCI) (www.insurance.ca.gov)
The American Council of Life Insurers (ACLI) (https://www.acli.com)
National Association of Insurance and Financial Advisors (NAIFA) (www.naifa.org)
Association of Life Insurance Counsel (ALIC) (www.alic.cc)
National Association of Insurance Commissioners (NAIC) (www.naic.org)
American Insurance Association (AIA) (www.aiadc.org)
Property Casualty Insurers Association of America (PCIAA) (www.pciaa.net)
American Association of Insurance Services (AAIS) (www.aaisonline.com)
Insurance Institute for Highway Safety (IIHS) (www.iihs.org)
Risk Management and Insurance Associations (IRMI) (www.irmi.com)
California Department of Consumer Affairs (DCA) (www.dca.ca.gov)

Know What You Want
Get the Insurance Coverage You Need By Considering Your Lifestyle and Assets

Everyone's insurance needs are different, so no insurance agent should try to sell you a package that doesn't take into account your exact needs and those of your family.

In order to get the right insurance coverage for your home, car or life insurance needs, think about your assets and your lifestyle. This is what your insurance will be protecting, so it makes sense to build your insurance profile around these things.

Before talking with insurance agents in Santa Rosa, Petaluma, Sebastopol, Cotati, Cloverdale and Rohnert Park or the rest of Sonoma County, ask yourself the following questions and write down your answers. This will give you a solid footing on which to stand when you start interviewing insurance companies near you.

  1. Do I want a Diamond Certified insurance company that is rated best in quality and backed by the Diamond Certified Performance Guarantee?
  2. What type of insurance do I need (life insurance, auto insurance, home insurance, or an umbrella policy that encompasses several types of insurance)?
  3. How much coverage do I need (this may include an inventory of your current situation, such as how much income would need to be replaced if you passed away for deciding life insurance limits, the value of and how much you use your vehicle for car insurance, and your home's value and the value of items you own for homeowners insurance)?
  4. What is my budget for insurance coverage?
  5. How quickly do I need to find insurance? (You may currently have active policies in place that expire on a certain date. This gives you some time to choose. If you have no insurance in place, your needs might be more immediate.)
  6. If I have a current insurance company, what do I like or dislike about their service and packages? What would I like to be different in my new insurer?
  7. What personal and professional characteristics do I want to see in my new insurance agent or broker?
  8. What are the specifics of my insurance needs that I'll want to share upfront with insurance companies from whom I'm requesting bids? (This may include classic vehicle insurance, motorcycle insurance, boat insurance, renters insurance, homeowners insurance to cover my home and property, rolling over existing insurance plans, collision or comprehensive auto insurance, term life policies, or others.)
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What To Ask In Person
Meet with Local Insurance Agents to See What They Can Offer You

Now that your phone interviews are complete, it's time to visit the offices of Sonoma County insurance companies and talk with agents face-to-face.

You'll want to make appointments with the insurance brokers in Santa Rosa, Petaluma, Rohnert Park, Windsor, Healdsburg, Sonoma and Cloverdale and your area that most impressed you while you were performing your interview phone calls.  While these don't have to be long appointments or end in you signing a contract for insurance packages immediately, they should give you the chance to see if you can work well with the insurance company representative, if the agent or broker listens to you, and what their rates and recommendations are for your unique needs.

Again, having a list of interview questions is smart. You'll probably want to take notes again so that you can compare the agents objectively after you've completed your in-person interviews. Here are a few questions to help you compile your own list.

  1. How do you recommend I decide what types of insurance I need?
  2. What type of insurance and levels of coverage do you recommend for my unique needs?
  3. How do you decide the appropriate amount of insurance for my needs? (This figure should be based on careful analysis of your assets, debts including mortgage, and lifestyle rather than an estimate or ballpark figure.)
  4. How long will the policy you're recommending last?
  5. What will the short term and long term premiums be for this policy?
  6. What kinds of benefits will this life insurance policy pay while I'm still living?
  7. Who has control of my policy? (i.e. Who owns it, who funds it, who decides the beneficiaries, who decides if the policy is open or closed.)
  8. What's guaranteed with my insurance policies?
  9. Will my insurance policies adjust for inflation?
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  • What To Ask References
    References of Sonoma County Insurance Companies Can Tell You More

    It’s best to choose among Diamond Certified insurance brokers when you need home, auto and life insurance because all certified companies have passed an in-depth ratings process that most other companies can’t pass. If you want quality from a home, auto and life insurance brokers in Sonoma County and the greater Bay Area, you can have confidence choosing a Diamond Certified company. Diamond Certified reports are available online for all certified companies. And you’ll never be fooled by fake reviews. That’s because all research is performed in live telephone interviews of actual customers.

    If you can’t find Diamond Certified home, auto and life insurance brokers in Petaluma, Windsor, Healdsburg, Santa Rosa, Sonoma, Cloverdale, Sebastopol, Cotati, Guerneville and Rohnert Park or within reach, you’ll have to do some research on your own. If you do, it’s wise to call some references provided by your home, auto and life insurance brokers. Keep in mind, though, that references provided to you by home, auto and life insurance brokers are not equal in value to the large random sample of customers surveyed during the Diamond Certified ratings process. That’s because references given to customers from companies are cherry-picked instead of randomly selected from all their customers. So the contractors will likely give you a few customers to call that they know are satisfied.

    If you do call references on your own, specifically ask for a list of the company’s 10 most recent customers. This will help avoid them giving you the names of only customers they know were satisfied.

    The following are questions you may want to ask references of Sonoma County insurance companies in order to learn more about the services, packages, and customer care they provide.

    1. Were you satisfied with the service from _(Sonoma County insurance company name)_?
    2. What type of insurance did you purchase from this local insurance company (life insurance, car insurance, homeowners insurance)?
    3. Was the Sonoma County insurance agent you worked with personable and relatable?
    4. Did they seem to understand the details, pros and cons of the different types of insurance you were interested in purchasing?
    5. Were they able to explain to you the best type of insurance for your needs?
    6. Was the total cost close to the original estimate? If not, were the additional costs avoidable or necessary?
    7. What was the best part about hiring this insurance broker?
    8. Is there anything you wish you would have known about buying auto, home or life insurance before working with this company?
    9. Is there anything I should know about this insurance agent or their services before I consider buying insurance from them?
    10. Would you recommend this Sonoma County insurance provider to friends or family?
    11. When you need to renew your insurance, will you consider working with this insurance agency again?
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  • Review Your Options
    Hiring Good Home, Auto and Life Insurance Brokers in Sonoma County

    The Diamond Certified symbol has been awarded to companies that scored Highest in Quality in an accurate ratings process.

    Before deciding on the best home, auto and life insurance brokers in Sonoma County for you, it’s important to consider the following questions.

    1. Is there an insurance company in Sonoma County or your area on your list that can meet your needs for life insurance, homeowners insurance, renters insurance or auto insurance?
    2. Have I checked out the Sonoma County insurance brokers' disciplinary records at the California Department of Insurance website (http://www.insurance.ca.gov/0200-industry/0070-check-license-status/index.cfm)?
    3. Are the Sonoma County insurance agents you spoke with knowledgeable about the types of insurance they sell, the different plans available and the differences between them?
    4. Can they easily explain to you which insurance coverage best fits your needs?
    5. Are the Sonoma County insurance companies in Guerneville, Santa Rosa, Sebastopol, Cotati, and Cloverdale and your area sensitive to your budget?
    6. Can they give you estimates for different products and services that address your budget and your needs?
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  • How To Work With
    Finding the Best Local Insurance Company for Your Needs

    Whether you need auto insurance, life insurance or home insurance, you're smart to seek out Sonoma County insurance companies that take a personal approach to finding the right insurance coverage for your unique needs.

    No two clients are the same, and every family's needs are different. The best thing you can do for yourself in the long and short term is find a local insurance broker that takes your individual goals and limitations into account while helping you find the right homeowners insurance, auto insurance and life insurance for you.

    While it's true that you can find some types of insurance from online companies, forming a relationship with an insurance agent in Santa Rosa, Petaluma, Sebastopol, Cotati, Cloverdale and Rohnert Park, Cazadero, Camp Meeker, Bloomfield, Temelec, Stewarts Point Rancheria, Schellville, Two Rock, Jenner, Eldridge, Fetters Hot Springs or your area of Sonoma County can give you access to an insurance expert that works for you and with you to find the right insurance for your needs, rather than based on cost alone.

    Understand the Difference Between Insurance Brokers and Insurance Agents
    When you buy insurance for your car, home or life, you'll want to know the difference between a broker and an agent. While the two appear to offer similar services and often do help clients purchase similar products, the way they operate is very different.

    Insurance brokers sell insurance for multiple companies. They can usually offer more options for packages, types of insurance and price points. However, they are paid on commission by the insurance companies they represent or charge a flat fee to clients to provide their services. They are usually the middlemen or middlewomen in the exchange, which may mean less flexibility.

    Insurance agents work for a single insurance company (Allstate, Geico, Nationwide, Progressive, Anthem, Liberty Mutual, the Hartford, State Farm, Farmers, Safeco, MetLife, Prudential, etc.). While they cannot usually offer the same range of products and brands that brokers can, they may be able to offer lower costs, bundle plans, and make changes to your insurance plans and coverage from their office.

    Now That You've Found the Sonoma County Insurance Broker or Agent for You
    Insurance companies in Cotati, Windsor, Petaluma, Santa Rosa, Rohnert Park, Guerneville and Healdsburg and throughout Sonoma County offer a range of services and insurance types. Within those types of insurance, there are dozens of options.

    So it's vitally important for you to choose a good Sonoma County insurance agent or broker who can lead you through the process and make sure you have enough insurance coverage (but not too much, which can be a waste of money) and the correct set of variables under each type of insurance you buy.

    The first step is to ask yourself what kind of insurance you need. Online calculators and those offered by your insurance broker can help you decide how much coverage is right for you. When you're buying life insurance, auto insurance and homeowners insurance, the questions you'll ask yourself will include how much income would need to be replaced if you were to die, expenses your family incurs that would need to be paid for, how you use your vehicle and what it's worth, and what your home contains and the types of threats you need protection against (fire, natural disasters, theft, etc.).

    Insurance agents in Guerneville, Santa Rosa, Sebastopol, Cotati, and Cloverdale and the rest of Sonoma County should gladly help you assess your particular needs and talk through your entire range of options before pressing you to sign a contract.

    After you've consulted with your Sonoma County insurance company representative and collected bids for insurance, you'll choose the one that can best represent you and give you the coverage you need at a fair rate. Keep in mind, insurance is there to protect you and your family—cut-rate insurance premiums may not get you the coverage you need. Don't settle for poor coverage just to get cheap premiums unless the items you're insuring aren't that important to you.

    The next step is to apply for insurance. Your agent will help you with this. There is often a waiting period (generally four to six weeks), so it's important to submit your application as soon as you find a plan you like that fits your needs.

    You may be required to submit proof of eligibility in one form or another, depending on the kind of insurance you need. For example, life insurance policies sometimes require the insured to undergo a medical exam or submit paperwork proving they are in adequate health and not imminently ill, vehicle owners may need to submit proof of ownership to receive car insurance, and homeowners may need to show proof of ownership and provide a detailed list of items in their homes that will be covered by their homeowners insurance policy.

    When your new policy is approved and delivered to you, you often need to make your first premium payment to the Sonoma County insurance company you've contracted with. There may also be final paperwork you'll be required to fill out and return to your insurer.

    This is a good time to carefully review your policy and make sure that it covers everything you expect. If anything is missing or seems erroneous, this is the time to talk with your insurance agent and ask about discrepancies.

    Every insurance policy comes with a 30-day free look period. This gives the consumer the right to deny or cancel insurance coverage for up to 30 days after delivery of the insurance policy, and you are entitled to a complete refund of all payments.

    Get the Most From Your Insurance Purchase
    Whether you're buying life insurance, home insurance or auto insurance, there are a few things you can do to simplify the process of purchasing an insurance plan and get good coverage that will protect you, your family and your belongings for years to come.

    • Find an insurance agent or broker whom you like and who gives you their attention and best services. Don't put up with Sonoma County insurance brokers who treat you poorly or don't listen to you, and never settle for one that makes you feel unimportant. Insuring your life, car, and home are very important steps, and steps that you deserve to have simplified and made clear with guidance from a true professional. Even if you live in Agua Caliente, Asti, Bodega Bay, Duncans Mills, Glen Ellen, Monte Rio, Penngrove, Rio Nido, Roseland, Sheridan, the Geysers, Villa Grande or a smaller town with limited resources, demand the best.
    • Ask about bundling home, life and car insurance policies and find out if the Sonoma County insurance company you've chosen offers discounts for clients who hold more than one type of insurance or multiple policies through their office.
    • Look for services or coverages you don't need and eliminate them from your policy. This may include towing services or free roadside assistance you don't need, collision or comprehensive insurance on older vehicles that aren't worth much, homeowners insurance coverage for items you don't own, or duplicate coverage that overlaps with secondary policies you may own.
    • Keep your credit rating high, and work to improve your credit. Individuals with lower credit ratings often pay more for insurance premiums because they can be viewed by insurance companies as high-risk. Save money over the long term by getting your credit under control.
    • Really understand the plans and protections offered by the Sonoma County insurance company you choose. Ask questions if you don't understand, and don't stop asking until you are sure you are clear on the plans, your rights and responsibilities, and those of your insurance broker or insurance agent.
    • Learn whether it's smarter for you to have a higher deductible and lower premiums, or lower premiums with a higher deductible. Understand that having to pay out of pocket several times to cover the higher deductible can add up, but can also save you a lot of money in the long run if you don't need often need to use your insurance.
    • Understand the insurance policy renewal process your insurer abides by to avoid unexpected fees and gaps in coverage. If your Sonoma County insurance company automatically renews your insurance unless they get confirmation of cancellation, know the cancellation date so you don't accidentally purchase more insurance by default. Watch out for insurance companies that use shady tactics like treating insurance renewals like new insurance policies to enable them to label conditions as preexisting and limiting coverage.
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  • Be a Good Customer
    Good Customers of Sonoma County Insurance Companies May Get Better Care

    Your insurance agent should work with you to decide what kind of insurance you need and which specific insurance plans fit your lifestyle. They are the professionals and as such, they should guide you in finding the type of insurance and insurance plans that will protect you and your family.

    Even though you may not be as well-versed in insurance as your broker, you can increase your chances of getting good coverage and good service for a fair price by being the type of client insurance brokers like to work with.

    Here are a few simple steps you can take to be a good customer when hiring Sonoma County home, auto and life insurance brokers in Santa Rosa, Petaluma, Rohnert Park, Windsor, Healdsburg, Sonoma and Cloverdale and the rest of the Bay Area.
     

    • Be clear with your insurance agent. Let them know what you want from your insurance policies, the long-term outcome you’re expecting and specific ways they can satisfy your expectations as a client.
    • Remember, a friendly smile and cooperative attitude helps make every transaction go smoother.
    • Before you hire local insurance brokers in Sonoma County, restate your expectations and goals, and reiterate your understanding of the agreement and policies you've chosen. Most problems with local insurance brokers occur because of a breakdown in communication. By being clear about your expectations and theirs, you can avoid most conflicts.
    • Ask your insurance agent if they will keep you in the loop to any legal changes to your policies or to the types of policies you have in place.
    • Be sure your service representative has a phone number where they can reach you at all times if they need to talk with you about your insurance coverage or current plans.
    • Return calls from your insurance agent to keep your homeowners, car and life insurance policies active and in place.
    • Pay all premiums on time to keep your insurance renewed and in force.
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Check The Work
Verify That All Insurance Policies Are In Place

Once your insurance plan is in place, you should receive regular premium invoices annually, biannually, or on the schedule you and your insurance agent have agreed. You'll want to check over your initial premium carefully to ensure that all of your needs have been met and that it includes each policy and plan you've requested.

Premium invoices from home, auto and life insurance companies in Petaluma, Windsor, Healdsburg, Santa Rosa, Sonoma, Cloverdale, Sebastopol, Cotati, Guerneville and Rohnert Park and the rest of Sonoma County should include the following:

  • The Sonoma County insurance company's name, physical address and state license number.
  • The policy number associated with each insurance plan.
  • The total cost for the home, auto and life insurance policies.
  • An itemized total showing any amount charged for broker fees or additional services not included in the policy charges.
  • An end date to the policy, or the date the current policy payment expires and when you need to renew the policy.
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Written Warranties
Sonoma County Insurance Agencies Provide the Following Coverage

Insurance companies in Sonoma County that deal with home, life and car insurance provide a huge variety of insurance coverage depending on client needs and available packages.

The following are some of the more common types of insurance offered by Sonoma County life, home and car insurance providers in Guerneville, Santa Rosa, Sebastopol, Cotati, and Cloverdale and the rest of the Greater Bay Area.

Insurance companies in Sonoma County that deal with home, life and car insurance provide a huge variety of insurance coverage depending on client needs and available packages.

The following are some of the more common types of insurance offered by Sonoma County life, home and car insurance providers in Guerneville, Santa Rosa, Sebastopol, Cotati, and Cloverdale and the rest of the Greater Bay Area.

Renters Insurance
Renters insurance is a type of insurance policy that covers renters and provides benefits similar to homeowners insurance policies. However, renters insurance only covers belongings in the structure, rather than the home or structure itself.

Auto Insurance
Auto insurance policies from car insurance companies in Santa Rosa, Petaluma, Sebastopol, Cotati, Cloverdale and Rohnert Park and the rest of Sonoma County protect vehicle owners against the costs associated with auto accidents. This includes vehicle damage, theft, collision and other accident damage, based on the details of the insurance policy.

Homeowners Insurance
Homeowners insurance is a type of property insurance that protects against damages or loss to the home or items within the home. It also covers against accidents and damages to visitors and individuals occurring in the home or on the property.

Term Life Insurance
Term life insurance is a type of life insurance benefit that covers the insured for a specific term—usually 10, 20 or 30 years. If the insured dies during the specified term, the insurance pays out to the beneficiaries. Some term life insurance policies allow for the insured to renew the policy when it expires.

Whole Life Insurance
Whole life insurance policies are a type of life insurance coverage that pay out a benefit to beneficiaries upon the death of the insured. Whole life insurance also accumulates cash value that can be borrowed against for college tuition, retirement, and other expenses.

Motorcycle Insurance
Standard car insurance policies don't cover motorcycles. Instead, motorcycle owners should invest in motorcycle insurance to protect their vehicles. Depending on the policy, this protects against damage, theft, vandalism, collision and more.

Classic Car Insurance
Classic car insurance and collectible car insurance is for vehicles built before 1979 and/or collectible makes and models. Classic car insurance may have mileage limits (as most aren't daily drivers). Classic car owners may be asked for proof of the age, condition, current mileage, average miles driven, housing of the vehicle, and other considerations that impact the value of the vehicle. This insurance usually covers collision, damage, theft, vandalism and more.

Property Insurance
Property insurance covers structures and their contents against damage and theft, including fire, wind, hail, tornado, vandalism, theft and more. Property insurance plans in Salmon Creek, Rio Nido, Occidental, Russian River Meadows, Graton, Gulton, Forestville, Cazadero, El Verano, Alexander Valley, Freestone and other areas of Sonoma County may be broken down into categories including homeowners insurance, renters insurance, earthquake insurance, flood insurance and more. The type of property insurance you receive is based on needs and the type of property you want to have insured.

Comprehensive Car Insurance
Comprehensive auto insurance covers automobiles and their owners against any damage or loss not related to a collision. This can include vandalism, theft, fire, natural disasters, manmade disasters, falling objects, animal damage and more, depending on the coverage and insurance company.

Collision Insurance
Auto collision insurance is insurance that pays out when your vehicle is involved in a collision with another vehicle, building, telephone pole, or other stationary object.  It may also cover car roll-overs. Auto collision insurance payout is often linked to who is at fault for the accident.

 

Popular National Insurance Companies Serving Clients in Sonoma County
You have many choices when it comes to insurance providers in Sonoma County, including independent brokers and those represented by large national insurers.

The following are some of the most popular and most widely-recognized insurance providers doing business in Santa Rosa, Petaluma, Sebastopol, Cotati, Cloverdale and Rohnert Park and the rest of Sonoma County.

  • Nationwide Insurance
  • Geico
  • Allstate Insurance
  • State Farm Home, Life and Auto Insurance
  • Progressive Auto Insurance
  • Farmers Insurance
  • Liberty Mutual Insurance
  • Travelers Insurance
  • American International Insurance
  • USAA Insurance
  • Hartford
  • MetLife Auto and Home Insurance
  • American Family Insurance
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Top 10 Requests
Sonoma County Insurance Agencies Provide the Following Coverage

Insurance companies in Sonoma County that deal with home, life and car insurance provide a huge variety of insurance coverage depending on client needs and available packages.

The following are some of the more common types of insurance offered by Sonoma County life, home and car insurance providers in Guerneville, Santa Rosa, Sebastopol, Cotati, and Cloverdale and the rest of the Greater Bay Area.

Renters Insurance
Renters insurance is a type of insurance policy that covers renters and provides benefits similar to homeowners insurance policies. However, renters insurance only covers belongings in the structure, rather than the home or structure itself.

Auto Insurance
Auto insurance policies from car insurance companies in Santa Rosa, Petaluma, Sebastopol, Cotati, Cloverdale and Rohnert Park and the rest of Sonoma County protect vehicle owners against the costs associated with auto accidents. This includes vehicle damage, theft, collision and other accident damage, based on the details of the insurance policy.

Homeowners Insurance
Homeowners insurance is a type of property insurance that protects against damages or loss to the home or items within the home. It also covers against accidents and damages to visitors and individuals occurring in the home or on the property.

Term Life Insurance
Term life insurance is a type of life insurance benefit that covers the insured for a specific term—usually 10, 20 or 30 years. If the insured dies during the specified term, the insurance pays out to the beneficiaries. Some term life insurance policies allow for the insured to renew the policy when it expires.

Whole Life Insurance
Whole life insurance policies are a type of life insurance coverage that pay out a benefit to beneficiaries upon the death of the insured. Whole life insurance also accumulates cash value that can be borrowed against for college tuition, retirement, and other expenses.

Motorcycle Insurance
Standard car insurance policies don't cover motorcycles. Instead, motorcycle owners should invest in motorcycle insurance to protect their vehicles. Depending on the policy, this protects against damage, theft, vandalism, collision and more.

Classic Car Insurance
Classic car insurance and collectible car insurance is for vehicles built before 1979 and/or collectible makes and models. Classic car insurance may have mileage limits (as most aren't daily drivers). Classic car owners may be asked for proof of the age, condition, current mileage, average miles driven, housing of the vehicle, and other considerations that impact the value of the vehicle. This insurance usually covers collision, damage, theft, vandalism and more.

Property Insurance
Property insurance covers structures and their contents against damage and theft, including fire, wind, hail, tornado, vandalism, theft and more. Property insurance plans in Salmon Creek, Rio Nido, Occidental, Russian River Meadows, Graton, Gulton, Forestville, Cazadero, El Verano, Alexander Valley, Freestone and other areas of Sonoma County may be broken down into categories including homeowners insurance, renters insurance, earthquake insurance, flood insurance and more. The type of property insurance you receive is based on needs and the type of property you want to have insured.

Comprehensive Car Insurance
Comprehensive auto insurance covers automobiles and their owners against any damage or loss not related to a collision. This can include vandalism, theft, fire, natural disasters, manmade disasters, falling objects, animal damage and more, depending on the coverage and insurance company.

Collision Insurance
Auto collision insurance is insurance that pays out when your vehicle is involved in a collision with another vehicle, building, telephone pole, or other stationary object.  It may also cover car roll-overs. Auto collision insurance payout is often linked to who is at fault for the accident.

 

Popular National Insurance Companies Serving Clients in Sonoma County
You have many choices when it comes to insurance providers in Sonoma County, including independent brokers and those represented by large national insurers.

The following are some of the most popular and most widely-recognized insurance providers doing business in Santa Rosa, Petaluma, Sebastopol, Cotati, Cloverdale and Rohnert Park and the rest of Sonoma County.

  • Nationwide Insurance
  • Geico
  • Allstate Insurance
  • State Farm Home, Life and Auto Insurance
  • Progressive Auto Insurance
  • Farmers Insurance
  • Liberty Mutual Insurance
  • Travelers Insurance
  • American International Insurance
  • USAA Insurance
  • Hartford
  • MetLife Auto and Home Insurance
  • American Family Insurance
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Glossary Of Terms
Insurance Terms Related to Home, Life and Car Insurance

The following terms and their definitions may help you better communicate with local insurance providers. This may mean a better chance that you'll get the insurance coverage you need and avoid misunderstandings with your insurer.

As always, you deserve to completely understand the agreement into which you're entering with your local insurance company. If you have questions or need clarification at any point during your interactions with insurance services, ask them for details. Good insurance companies providing auto, life and home insurance should be willing to explain and give details about the insurance plans they offer and the services that best meet your needs.

accident-only insurance
Insurance policies providing coverage for death, dismemberment, disability, or hospital stays and medical care needed after an accident. Accident coverage may include student accidents, sports accidents, accidents while traveling, and accidental death and dismemberment (AD&D) incidents.

Also known as:  accident-only insurance, AD&D, accident insurance coverage

agent
A person who sells, services, or negotiates insurance policies. Insurance agents may work independently or in conjunction with an insurance company.

Also known as: insurance agent

auto insurance
Auto insurance policies protect vehicle owners against the costs associated with auto accidents. This includes vehicle damage, theft, collision and other accident damage, based on the details of the insurance policy. Auto liability insurance protects drivers and car owners against charges of bodily injury or property damage caused by ownership and/or operation of a vehicle.

Also known as:  auto liability insurance, auto physical damage insurance, car insurance, automobile liability insurance

beneficiary
An individual who is named as heir or recipients of payouts of life insurance policies and other insurance payments.

Also known as: insurance beneficiary, insurance payout recipient

blanket coverage
Insurance coverage in the form of one single policy that covers more than one type of property at the same location or multiple types of property at several locations (including home, business and commercial locations).

Also known as: multi-location insurance, blanket property insurance

bodily injury insurance coverage
Bodily injury insurance coverage pays medical expenses and additional damages for which the insured is liable.

Also known as: bodily injury coverage

brokers
Insurance brokers are professionals who earn commissions from the sale of insurance policies. Brokers work for their customers and do not have to sell insurance policies for a specific auto, home or life insurance company.

Also known as: insurance broker, home insurance broker, auto insurance broker, life insurance broker

casualty insurance
Liability insurance that covers insurance holders against loss of property, damage and other liability.

claim
When an
insured individual makes a claim, it is a request for payment due to loss or accident covered under the policy agreement.

Also known as: insurance claim, life insurance claim, auto insurance claim, car insurance claim, accidental insurance claim, home insurance claim, rental insurance claim

classic car insurance
Classic car insurance and collectible car insurance is for vehicles built before 1979 and/or collectible makes and models. Classic car insurance may have mileage limits (as most aren't daily drivers). Classic car owners may be asked for proof of the age, condition, current mileage, average miles driven, housing of the vehicle, and other considerations that impact the value of the vehicle. This insurance usually covers collision, damage, theft, vandalism and more.

Also known as: vintage car insurance, limited driver car insurance, classic vehicle insurance

collision insurance
Auto collision insurance is insurance that pays out when your vehicle is involved in a collision with another vehicle, building, telephone pole, or other stationary object.  It may also cover car roll-overs. Auto collision insurance payout is often linked to who is at fault for the accident.

Also known as: auto collision insurance, car collision insurance

commercial auto insurance
Insurance coverage for business-owned vehicles that protect the insured against financial loss and legal liability for motor vehicle related injuries, or damage to the property of others caused by accidents arising out of the ownership, maintenance, use, or care-custody & control of a motor vehicle. This includes Commercial Auto Combinations of Business Auto, Garage, Truckers and/or Other Commercial Auto.

Also known as:

comprehensive car insurance
Comprehensive auto insurance covers automobiles and their owners against any damage or loss not related to a collision. This can include vandalism, theft, fire, natural disasters, man-made disasters, falling objects, animal damage and more, depending on the coverage and insurance company.

Also known as: full car insurance,

effective date
An insurance policy's effective date is the day on which an insurance policy goes into force. Effective dates may even have times associated with them, and may not be the exact day and time you sign the paperwork for your policy.

Also known as: insurance effective dates, insurance policy effective date

homeowners insurance
Homeowners insurance is a type of property insurance that protects against damages or loss to the home or items within the home. It also covers against accidents and damages to visitors and individuals occurring in the home or on the property.

Also known as: home insurance, property insurance, household insurance

insurance policy
A written agreement between you and your auto insurance company that details what the company will cover, contract conditions and provisions and the amount you’ll pay for your coverage.

Also known as: policy, insurance coverage policy

insurance premium
The amount of money insured individuals pay for insurance coverage. Insurance premiums are usually paid on a set schedule. This may be monthly, quarterly, yearly or according to a specific payment plan set up with the insurance company.

Also known as: premium, insurance payment, cost of insurance

motorcycle insurance
Standard car insurance policies don't cover motorcycles. Instead, motorcycle owners should invest in motorcycle insurance to protect their vehicles. Depending on the policy, this protects against damage, theft, vandalism, collision and more.

Also known as: motorbike insurance, insurance for motorcycle insurance

named insured
Named insured is the term for the individual defined as the insured person in the insurance policy contract.

Also known as: insured person, insuree, insured individual, the insured

permanent life insurance
A life insurance policy that remains active for the entire life of the insured individual is a permanent life insurance policy.

Also known as:

property insurance
Property insurance covers a structure and its contents against damage and theft, including fire, wind, hail, tornado, vandalism, theft and more. Property insurance may be broken down into categories including homeowners insurance, renters insurance, earthquake insurance, flood insurance and more. The type of property insurance you receive is based on needs and the type of property you want to have insured.

Also known as: home insurance, business insurance, homeowners insurance, renters insurance, flood insurance, earthquake insurance, basic property insurance, whole property insurance

renters insurance
Renters insurance is a type of insurance policy that covers renters and provides benefits similar to homeowners insurance policies. However, renters insurance only covers belongings in the structure, rather than the home or structure itself.

Also known as: rental insurance, home renters insurance

term life insurance policies
Term life insurance is a type of life insurance benefit that covers the insured for a specific term—usually 10, 20 or 30 years. If the insured dies during the specified term, the insurance pays out to the beneficiaries. Some term life insurance policies allow for the insured to renew the policy when it expires.

Also known as: term life, term life insurance

whole life insurance policies
Whole life insurance policies are a type of life insurance coverage that pay out a benefit to beneficiaries upon the death of the insured. Whole life insurance also accumulates cash value that can be borrowed against for college tuition, retirement, and other expenses.

Also known as: full life insurance policies

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Frequently Asked Questions
FAQ About Life, Auto and Home Insurance Companies

Most Americans have some type of life insurance, homeowners insurance and/or auto insurance coverage. Still, the intricacies of insurance can be a mystery to many people. The following frequently asked questions and answers can help shed a little light on insurance, including the types of plans available and coverages that are best for you.

However, you will want to talk with your insurance agent about your exact needs to discover what insurance and insurance limits are best for you and your lifestyle. That way, they can consider your specific needs, and find the right plans and products for you and your family.

Q: Why choose Diamond Certified home, auto and life insurance brokers?
A: Diamond Certified helps you choose among local home, auto and life insurance brokers with confidence by offering a list of top-rated local companies who have passed the country’s most in-depth rating process. Only insurance companies rated Highest in Quality earn the prestigious Diamond Certified award. Most can’t pass the ratings process. American Ratings Corporation also monitors every Diamond Certified company with ongoing research and ratings. And your purchase is backed by the Diamond Certified Performance Guarantee. So you’ll feel confident choosing Diamond Certified insurance companies near you.

Q: What is normally covered by homeowners insurance?
A: Homeowners insurance policies vary depending on the insuring company and customer needs. However, most home insurance policies protect homeowners against these things:

  • Damage to the home and structures on the property (including garages, sheds and others) from fire, theft, vehicles, hail, wind, tornadoes, vandalism, acts of intentional damage from others, etc.
  • Theft and property damage from burglaries. This may also include theft from vehicles that are not on your property.
  • Personal liability issues including injuries to guests or others on your property, and accidental injuries caused by the homeowner or covered individual living in the home.
  • Living expenses if your home becomes unlivable temporarily due to one of the above items.

Q: What does homeowners insurance cost?
A:The cost of home insurance varies depending on the age of the covered home, the coverage level and limits, the deductible, and the location of the home. Talk with a local insurance broker near you to learn what home insurance packages cost in your area and for homes like yours.

Q: How do I know if I have enough home insurance coverage?
A: Your home insurance policy should pay out enough for you to rebuild your home in the event of a total loss due to fire, natural disaster, or other damage or loss. Since inflation, material costs and the cost of labor can vary widely over just a few years, you should regularly revisit your home insurance coverage with your insurance agent.

Q: What is not covered by my home insurance policy?
A: Home insurance policies vary, so you'll need to ask your insurance company about exclusions specific to your case. However, items that may not be covered or that may have coverage limits include money and investments, boats, trailers, guns, and more. Individual items including jewelry, watches, antiques and others, may need to be listed in your policy in order to be covered against theft, damage, breakage or loss. Additionally, intentional damage, damage by pets, and damage or loss by family members may not be covered based on your policy particulars.

Q: Can I get a discount on my insurance package?
A: Many insurance companies provide discounts for clients who have systems, upgrades or other protections that can limit or lower the chances of damage to the home. The following are things that can lower your home insurance premium.

  • home alarm systems
  • smoke and CO2 alarms
  • hail-resistant roofs
  • fire-resistant metal roofing
  • multiple policy discounts (if you own auto, home and life insurance policies from the same company, for example)
  • proximity to a fire station
  • geographical location of your home (in reference to storms, weather, fire threat, etc.)
  • prepayment and on-time payment discounts

Q: What types of auto insurance are available to me?
A: Most auto insurance companies offer standard types of car insurance coverage, including comprehensive insurance, liability insurance, collision insurance, personal injury protection, medical payments in the event of a car accident, uninsured motorist protection and more. Some companies offer perks such as good driving discounts, student discounts, deductible reductions based on good driving history, accident forgiveness and more.

Q: What is the difference between collision car insurance and comprehensive auto insurance?
A: Collision insurance usually covers the insured party's vehicle and damage or loss to it if it is involved in an accident with another vehicle. Comprehensive insurance protects against damage or loss to a vehicle not involved in an accident with another vehicle. This may include towing, fire, theft, glass, and others.

Q: Do I need life insurance?
A: Individuals who have families, dependents or people who depend on them for financial support should have life insurance. This is true for primary breadwinners and others who will have family or loved ones who depend on them to support them financially.

Q: How much life insurance do I need?
A: The amount of life insurance you carry will depend on your particular situation. Your life insurance should be enough to replace your income for a set amount of time in the event of your death. Most experts recommend five years of income replacement. You may also want to consider the value of your home and current mortgage, expenses including college, final burial expenses, debt, current lifestyle and more.

Q: What types of life insurance are available to me?
A: Term life insurance is valid for a certain amount of time—usually 10, 20 or 30 years. The benefit amount is paid to your listed beneficiary or beneficiaries if you die within that stated term. Your insurance benefits cease at the end of the term; however, some policies give you the option to renew the coverage when the term ends. Permanent life insurance policies can build value over time, including cash value, that you can borrow against. Whole life policies, universal life policies, single payment whole life policies, and other permanent life insurance policies protect for an unlimited amount of time with no cut off date, except for the demise of the insured.

Q: Should I get life insurance coverage on my child?
A: Life insurance coverage is meant to replace lost income after the death of a breadwinner so that dependents have a source of income. For this reason, taking out life insurance policies for children is rarely needed. There are some benefits, though, to buying life insurance for your child(ren).  Permanent life insurance policies are less expensive if you buy them early, so purchasing a life insurance policy for a child can give them consistent protection for life at a low cost. It may also allow the child to add to the coverage as they age without consideration of their current health.

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