Auto Insurance Information

Breathe Easy understands the state’s minimum insurance requirements in order to operate a legal vehicle.

Every driver is required to obtain Liability Coverage. Liability car insurance protects you against the cost of damage and injury that you might cause to another in an automobile accident. Although keeping up with the state minimum requirements are all that is needed to keep one legal in their state for car insurance, in some cases purchasing only the state minimum insurance requirements is not the best choice.

Collision Coverage is not a requirement but will help protect your vehicle after an accident. Collision insurance coverage pays for damage caused to your vehicle in an automobile accident, when you are “at fault”. A standard collision automobile insurance policy will pay for any repairs up to the fair market value of your car.

Comprehensive Coverage is great to help protect you against loss of damages to your vehicle outside of an accident. If you have a valuable vehicle or feel your vehicle is threatened by damage on a regular occasion, this form of coverage is ideal. Comprehensive is very similar to collision insurance, the main difference being that comprehensive covers damage caused to your vehicle by any unknown party or “act of God”. Vandalism, flood, hurricane, theft, and fire are all events usually covered by comprehensive automobile insurance.

Uninsured / Underinsured Motorist Coverage protects the driver and passenger of a motorcycle damaged by an at fault driver that is uninsured or underinsured. Underinsured motorist coverage provides additional coverage on top of the injured parties’ liability coverage in the event the injuries cost exceeds their limit of coverage and the limit for the underinsured motorist coverage is higher than their bodily injury liability limit.

Homeowners Insurance Information

If you own your home, Breathe Easy offers several types of homeowners insurance policies that might fit your needs

We give you the option to choose the homeowners insurance coverage you want and help you tailor your insurance package to give you maximum protection for your insurance dollar.

Homeowners insurance is designed to bring your home and possessions back to the same condition they were in before a loss occurred. There are several different types of homeowners insurance policies offered by a wide variety of insurance companies. As a result, not all coverages are the same. Review all your options and coverages so that you can make an informed decision.

Breathe Easy homeowners insurance policies include the following protections:

• Dwelling coverage up to the limits you choose to purchase and defined by our Replacement Cost calculations.*
• Coverage for your personal property up to the limits you choose to purchase. (Be sure to ask about Replacement Cost coverage for your personal property.)
• Coverage for structures in addition to your primary dwelling, such as storage sheds, boathouses, and pools.
• Coverage for loss of use, reimbursing you for expenses for loss of use of your home caused by named perils.
• Medical expenses per person if someone is injured on your property.
• Liability exposures, protecting you against certain risks per accident for bodily injury or property damage.
• Higher limits of liability and medical expense coverages, available for a small charge.

Take a few minutes to get a free, no obligation quote from Breathe Easy, and see just how affordable our rates can be.

 

Protect your property with renters insurance.

• Get affordable renters insurance that meets your needs, budget and lifestyle. Protect yourself from:
• Damages to personal items including computers, furniture, stereo equipment, jewelry and more
• Unauthorized transactions on your credit cards
• Accidents that happen at your home
• Damages to other’s property for which you may be liable

Just remember that in most cases, your landlord’s insurance policy will not cover your personal property if it’s stolen or damaged.

Renters insurance coverage from Breathe Easy can protect your belongings in an apartment, townhome, storage unit, dorm room or single family home.

You can bundle renters insurance with an auto policy and save money! Learn more by getting in touch with one of our agents today.

Business & Commercial Insurance Information

With a variety of coverage options and state laws to abide by, you need someone with superior insurance knowledge and expertise to help you secure the most effective large or small business insurance plan for your needs.

Generally speaking, the goal of doing business is to maximize profits, while continuing to lessen overall costs. This requires making strategic plans that account for anticipated expenses as well as outlining actions for accurately reinvesting the profits.

All in all, typical large or small business insurance packages can include a custom combination of these following coverage options:

• Business Owners Policies (BOP)
• Worker’s Compensation
• General Liability Insurance
• Errors & Omissions
• Commercial Auto
• Commercial Property
• Group Benefits
• Professional Liability

At Breathe Easy Insurance Solutions, we understand the importance of having budget-friendly yet complete coverage in place, no matter how big or small your business enterprise may be. We take pride in the ability to identify the required state policies and suggest the most effective and affordable insurance solutions for your business venture.

Call Breathe Easy Insurance to get a free coverage review and large or small business insurance quote. Let us help you better protect your business venture today.

Call us now! 866-822-7755

Breathe Easy understands that the value of good motorcycle insurance does not become apparent until you really need it.

Whether it's a minor fender bender or a more substantial accident, it pays to have motorcycle insurance coverage you can count on. Let one of our experienced motorcycle insurance specialists explain the different liability limits, comprehensive options, collision and personal injury protection options, medical coverage options and deductibles that are available for you to choose from. We offer affordable motorcycle insurance policies from reliable companies that will not raise your premium by 15% after the first year. We will get you the best policy at the most affordable rate.

Renters Insurance Information

Replace what is damaged or stolen with the help of renters insurance.

Renters insurance protects your belongings from losses such as severe weather, fire, lightning, explosion, theft, vandalism and water damage unrelated to natural floods.

Bear in mind, renters insurance excludes earthquakes, floods and normal wear and tear. For flood and earthquake coverage, you’ll need to purchase coverage separately.

Renters insurance can cover your living expenses if you are forced out of your home due to a covered disaster. 

Renters insurance can pay the extra costs of temporarily living away from your home if it is deemed uninhabitable due to a covered event. You can be reimbursed for temporary rentals, hotel expenses, meals and other living expenses incurred while your home is rebuilt or repaired. This type of coverage will vary between insurance providers.

Renters insurance also covers liability risks, which involves your responsibility to third parties injured on your property or elsewhere by you, a family member or a pet. The coverage may include legal defense costs and court settlements.

How much coverage do you need? 

Estimate the total value of all of the belongings you would want to replace in the event of a total loss. Creating an inventory helps make filing a claim easier. To do this, make note of all your valued possessions, their estimated worth, model or serial numbers, places of purchase, manufacturer information and any other important information. Include photographs in this document. Once complete, store the inventory in a safe location away from your home, like a safety deposit box.

Your landlord’s insurance only protects the building structure and common areas. It’s your responsibility to protect your belongings with renters insurance.

SR22 Insurance Information

Breathe Easy provides affordable DUI Auto Insurance. We understand that getting a DUI can be an extremely confusing and frustrating event. However, getting the right help is critical in making this process less expensive and easier to manage.

What is an SR22?

If you were told by the DMV that you need an SR22 before you can get your driver’s license back following a suspension or revocation, then you may be asking “What is an SR22?” This page will help you understand what it is, and how we can help you.

An SR22 is a form that requires us as your insurance company to notify the State of California that you have insurance that meets the minimum liability requirements under State law. If you cancel your policy during your required SR22 period then we are required by law to notify the State of the cancellation.

If your insurance coverage is terminated during your required SR22 period then your driver’s license will be suspended or revoked, and you may have to pay more fees in order to have it reinstated.

Most of our clients come to us because we can offer a lower cost SR22 than if they went through their normal insurance company. Many insurance carriers will increase the cost of your regular insurance if they learn you are required to file an SR22. The problem occurs when you are no longer required to file the SR22, your insurance typically does not go down in cost. Instead, your costs may remain at a higher level for several years after the SR22 requirement is dropped.

When you call our office we will help you understand how we can get you low SR22 insurance rates, and how to best protect yourself from having increased insurance costs for years to come.

An SR22 allows the DMV to issue you a restricted driver’s license after you have completed the other legal requirements for that license. You cannot get your license back without having an SR22 filed with the State of California. We will help you get that on file the same day you call our office. Contact us right now for a free, no obligation quote!