California Casualty Insurance coverage Firm Evaluate


This is the Scoop

  • California Casualty gives 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 go away optimistic opinions, and the Higher Enterprise Bureau provides them an A+

Some firms concentrate on promoting a particular kind of insurance coverage to hone their course of and supply a streamlined product. Others forged a large web of merchandise so they could be a one-stop-shop for his or her clients.

California Casualty is among the latter. Catering solely to lecturers, firefighters, cops, and nurses, California Casualty desires to rejoice 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 possibly can discover what California Casualty has to supply under. If this firm looks as if match in your wants, you may evaluate quotes with different firms to make sure you get the very best charges attainable.

What’s California Casualty Insurance coverage firm?

Based in 1914, California Casualty’s title is just a little deceptive. It sells insurance coverage merchandise all through the U.S. aside 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 study under.

California Casualty Automotive Insurance coverage

As a automotive insurance coverage supplier, you should purchase the usual protection merchandise discovered by most opponents. These embrace:

  • Legal responsibility. Legal responsibility insurance coverage covers harm you trigger to different folks 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 folks, collision covers harm executed to your automotive in an accident. Collision covers you regardless of who causes the accident.
  • Complete. This protection protects your car from harm exterior of accidents. This contains 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 massive medical payments. If you are going to buy medical funds protection, your insurance coverage will assist pay for it.

Whereas these are the usual varieties of insurance coverage, California Casualty gives 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 cops. These embrace:

  • Turnout gear and firearms protection. In case your firefighting or regulation enforcement gear is stolen, broken, or destroyed in your car, California Casualty will restore or change it.
  • Pet damage. 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 tools. Folks typically take pleasure in upgrading or customizing their vehicles, however insurance coverage often doesn’t cowl customized components. Nevertheless, this characteristic will cowl non-factory components.
  • GAP protection. If you happen to whole a brand new automotive, you would possibly owe extra in your mortgage than the automotive is price. GAP protection pays the distinction between your mortgage and the worth of your car.

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

California Casualty Residence Insurance coverage

For educators, nurses, firefighters, and cops, California Casualty could be the very best house insurance coverage choice on the market.

California Casualty gives the standard suite of insurance coverage choices, together with:

  • Dwelling. This portion of your coverage protects the bodily construction of your private home, together with the partitions, roof, and basis. It additionally covers freestanding constructions like garages and fences.
  • Legal responsibility. If a visitor is injured in your property, they will sue you in case you’re accountable for the incident. Legal responsibility helps pay in your authorized charges if you’re sued.
  • Private property. There’s much more that makes your home a house than partitions and a roof. Private belongings reminiscent of home equipment, furnishings, and even clothes may be changed by way of your insurance coverage.
  • Dwelling bills. If your private home is broken to the purpose it’s unlivable, California Casualty will reimburse you for lodging and meals prices when you await repairs.

As with its automotive insurance coverage, California Casualty gives a number of add-ons meant to rejoice the work of neighborhood servants. These embrace:

  • Off-duty weapons theft. In case your personally-owned off-duty weapons are stolen out of your property, you may stand up to $5,000 to exchange them.
  • Fallen hero/fallen officer survivor. If a firefighter or police officer dies within the line of obligation, their household will obtain a loss of life profit.
  • Faculty 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 college hours.

California Casualty additionally covers misplaced baggage, debit or bank card fraud, private property for educators, and educators extra legal responsibility.

Different Varieties of Insurance coverage From California Casualty

Insurance coverage is among the greatest issues you will get to guard the issues that matter in your life. With that in thoughts, California Casualty gives an extended listing of insurance coverage merchandise:

  • Motorbike. Much like normal auto insurance policies, bike insurance coverage is tailor-made with bikes in thoughts. Most states require bike insurance coverage to drive.
  • Mexico journey. If you happen to plan on driving to Mexico, your American insurance coverage received’t work south of the border. California Casualty works instantly with Mexican insurance coverage companies to make sure you have the protection you want.
  • Apartment. Apartment house owners want safety much like owners, however there are distinctive variations that this plan accounts for.
  • Basic automotive. In contrast to trendy vehicles, traditional vehicles are an funding, and your insurance coverage coverage ought to shield them as such.
  • Snowmobile. They could be leisure automobiles to most, however California Casualty takes their safety significantly. Yow will discover lots of the similar varieties 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. Nevertheless, 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 should personal a house to get safety in your belongings. Renters insurance coverage protects your private property and is often extremely reasonably priced.

This can be a small choice of the insurance coverage choices you should buy by way of California Casualty. You possibly can study extra about their protection choices by talking with an agent.

Enter your ZIP code under to view firms which have low-cost insurance coverage charges.

secured lock Secured with SHA-256 Encryption

How a lot does California Casualty value?

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

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

  • 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 gives. If you join a coverage with this firm, an agent will comb by way of your particulars to ensure you get each low cost attainable.

California Casualty Evaluations

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

Blissful policyholders state that they are going to be California Casualty clients for all times and that they admire the particular care taken with their wants. Whereas they just like the aggressive costs, they love the popularity of the providers they carry out for his or her communities.

California Casualty performs annual coverage opinions to make sure clients nonetheless want the protection they initially purchased. Many shoppers talked about the assessment and mentioned it saved them cash on their insurance coverage.

Folks principally report that the claims course of is lightning quick, and there aren’t any points getting claims paid.

Damaging opinions are more durable to seek out. Those that do exist principally point out issues with canceling insurance policies.

For skilled score providers, the Higher Enterprise Bureau provides California Casualty an A+, although there are a number of complaints listed on the location. A.M. Greatest, which charges firms on their monetary safety, provides this supplier a BBB-.

Discover the Greatest Automotive 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 could be the best choice for you in case you qualify. California Casualty has merchandise for nearly any insurance coverage want.

Even in case you’re involved in a quote for California Casualty insurance coverage, you need to nonetheless store for charges from different firms. Whereas most clients are glad they went with California Casualty, there could be higher charges for you.

Enter your ZIP code under to view firms which have low-cost insurance coverage charges.

secured lock Secured with SHA-256 Encryption

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 increased training establishments. She can be a licensed 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 jot 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 trade since 2006 when she started working as a licensed insurance coverage consultant for twenty first Century Insurance coverage, throughout which era 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 nicely. She has labored for small well being insu…

Editorial Tips: We’re a free on-line useful resource for anybody involved in studying extra about insurance coverage. Our purpose is to be an goal, third-party useful resource for every part insurance coverage associated. We replace our web site commonly, and all content material is reviewed by insurance coverage consultants.


Leave a Comment