An Online Insurance Brokerage
California Home Services & Insurance Marketplace
Redefining the Way You Shop for Insurance.
FVG Premier Insurance Services is an online insurance brokerage and insurance marketplace connecting consumers with trusted independent insurance agencies and licensed agents. Compare multiple insurance quotes, coverage options, and competitive rates in one place to save money, gain more choices, and find the right policy with confidence.
Comprehensive Coverage -
Collision Coverage
Comprehensive Coverage : Covers damage to your vehicle from non-collision events
Collision Coverage: Covers damage to your vehicle after colliding with another vehicle or object
Not sure whether you need Comprehensive Coverage, Collision Coverage, or both? A licensed insurance agent can review your vehicle, budget, and individual needs to help you make an informed decision. Choosing the right coverage today can provide greater peace of mind because insurance helps protect one of your most valuable assets—your vehicle.
Do I need Umbrella Insurance?
Umbrella insurance provides an extra layer of personal liability protection when your auto, homeowners, renters, or watercraft policy limits are exceeded. It helps protect your savings, home, investments, and future earnings from costly lawsuits and major claims. Insurance protects your assets.
Renters Insurance
Renters insurance helps protect anyone renting a house, apartment, or condominium. It typically covers personal belongings, personal liability, medical payments to others, and additional living expenses after a covered loss. This affordable coverage safeguards your finances because a landlord’s insurance does not protect your personal property.
Flood Insurance
Flood insurance is a separate insurance policy that protects your home, belongings, and financial future from damage caused by flooding. Most flood insurance is available through the federal National Flood Insurance Program (NFIP), administered by Federal Emergency Management Agency, although private flood insurance is also available in California.
Who Needs Flood Insurance?
Flood insurance is recommended for:
- Homeowners
- Renters
- Condominium owners
- Landlords
- Business owners
- Anyone living in or near flood-prone areas, rivers, creeks, lakes, coastal regions, or areas affected by heavy rainfall or post-wildfire flooding.
Earthquake Insurance
Earthquake insurance helps protect California homeowners, condo owners, mobilehome owners, and renters from earthquake-related damage not covered by standard property insurance. It helps pay to repair or rebuild your home, replace covered personal belongings, and cover temporary living expenses after a covered earthquake, providing essential financial protection in one of the nation's highest seismic-risk states.
Uninsured Motorist (UM) and Underinsured Motorist (UIM) Coverage in California
Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage help protect you and your passengers when another driver is responsible for an accident but cannot fully pay for your injuries. Uninsured Motorist (UM) applies when the at-fault driver has no liability insurance or in certain qualifying hit-and-run accidents. It can help pay for medical expenses, lost wages, and other bodily injury damages. Underinsured Motorist (UIM) applies when the at-fault driver has insurance, but their liability limits are not enough to cover your bodily injury damages. After the at-fault driver's policy limits are exhausted, your UIM coverage may help pay the remaining eligible damages up to your policy limits. California law requires insurers to offer UM/UIM coverage, and drivers who decline it must sign a written waiver. This valuable coverage provides important financial protection against uninsured and underinsured drivers, helping reduce out-of-pocket expenses after a serious accident.
Medical payments
Medical Payments (MedPay) coverage is an optional California auto insurance coverage that helps pay medical expenses for you and your passengers after an accident, regardless of who is at fault. Benefits include immediate access to funds for medical treatment and reduced out-of-pocket costs. The minimum available limit is $1,000 per injured person, with higher limits available. A drawback is that coverage is limited and does not cover vehicle damage or lost wages.
Contact us
Telephone: 408-831-8037
E-mail: information@fvginsurance.com