Whether it’s home, renters, or auto insurance, we can custom tailor every policy to fit you. Every person, every family has unique needs, and no two policies are alike. Let our experienced agents learn about your life, and design a policy around you.
Any business, any field, we have access to dozens of major carriers to lower your bottom line and increase your profit. Workers comp, Professional Liability, General Liability, if you need it, we’ve got it.
Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing.
Mobile Home Insurance
Scheduled Property Insurance
In-Home Business Insurance
Fire Zone Risk Homes
Homeowners and renters in California face unique risks; water damage from hurricanes and flooding, earthquakes, and other physical damage among them. For this reason and others, it’s important that homeowners and renters have comprehensive and individually-tailored home insurance policies and/or packages. At eSummers Insurance Agency we have a broad and flexible home insurance program that we adapt to the needs of individual clients. Through this program we can write a customized home insurance policy for you. As a result you’ll be fully covered for the right price.
Antique and Classic Cars
If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered. If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.
There are two main components to Auto Liability: Bodily Injury and Property Damage liability. Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering. Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property. If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road. It’s important to have enough insurance to keep all of your assets protected and not all auto policies are the same. Contact a representative with eSummers Insurance Agency today for more information about what Liability Coverage can do for you.
Contractors / specialty trade
Media & advertising
Orthotics & prosthetics
Pools & spas
Printers & publishers
Railroad contractors & manufacturers
School bus contractors
Tow trucks & auto transporters
Water well drillers
Farm Owners Insurance
Farm Livestock Insurance
Farm Equipment Insurance
Farm Dwelling Insurance
Farm Structures Insurance
Farm Auto Insurance
Farm Umbrella Insurance
Farm Liability Insurance
Operating a farm or ranch is a unique business in many ways. One big difference from most other jobs is that many farmers do not just work on their property - they live there too. And having the right protection depends on the situation of each individual family. While not as comprehensive as a complete Farm Owners policy, some people may find that Farm Dwelling coverage is enough to meet their needs. Dwelling Insurance from eSummers Insurance Agency protects the building you live in and any attached structures, including rental properties, by helping to pay for damages that result from a covered incident. Depending on your specific policy options, it can also include additional coverage for personal property or provide additional living expenses if your home becomes uninhabitable due to a covered loss. Other insurance provisions such as Liability or Medical Payments coverage are not included in a Farm Dwelling policy, so if you are looking for a more complete solution for all your Farm Insurance needs, a comprehensive Farm Owners policy may be the right choice for you. Talk to a specialist at eSummers Insurance Agency to learn more about how our insurance solutions can best benefit your agribusiness.
Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It is a benefit policy that is used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life, variable life, or universal life insurance.
Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of the policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest.
Universal Life – Universal life policies are designed to be more flexible than other permanent Life Insurance. You are still guaranteed a death benefit for the duration of the policy as well as savings that accumulate cash value, but the flexibility of a Universal Life plan allows you to change certain aspects of your plan to accommodate life changes. Depending on your options, you have the flexibility to change the overall value of the death benefit as well as the time and amount in which you pay your premium. This gives you the option to focus on building your policy’s cash value, or pay a lower premium and focus on guaranteed protection. It is important to note that changes to your universal life policy can affect its guarantees and limits.
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