You are currently viewing California Casualty Insurance coverage Firm Assessment

California Casualty Insurance coverage Firm Assessment


Here is the Scoop

  • California Casualty presents 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 usually go away constructive evaluations, and the Higher Enterprise Bureau provides them an A+

Some firms give attention to promoting a particular kind of insurance coverage to hone their course of and provide 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 likely one of the latter. Catering solely to lecturers, firefighters, cops, and nurses, California Casualty needs to have fun the individuals who assist their communities. With over a dozen merchandise starting from basic 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 an excellent match to your wants, you’ll be able to evaluate quotes with different firms to make sure you get one of the best charges attainable.

What’s California Casualty Insurance coverage firm?

Based in 1914, California Casualty’s title is a bit deceptive. It sells insurance coverage merchandise all through the U.S. apart from in Washington, New York, Massachusetts, Hawaii, Michigan, and Alaska.

California Casualty has a particular mission of promoting insurance coverage. It needs 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 a wide range of insurance coverage merchandise, which you’ll be able to study under.

California Casualty Automobile Insurance coverage

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

  • Legal responsibility. Legal responsibility insurance coverage covers injury you trigger to different folks and property. Most states require a minimal quantity of legal responsibility protection earlier than you’ll be able to legally drive.
  • Collision. Whereas legal responsibility covers injury you trigger to different folks, collision covers injury completed to your automotive in an accident. Collision covers you regardless of who causes the accident.
  • Complete. This protection protects your car from injury exterior of accidents. This contains injury from fireplace, 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 buy medical funds protection, your insurance coverage will assist pay for it.

Whereas these are the usual forms of insurance coverage, California Casualty presents 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 embody:

  • 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 exchange 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. Individuals typically get pleasure from upgrading or customizing their automobiles, however insurance coverage normally doesn’t cowl customized components. Nevertheless, this function will cowl non-factory components.
  • GAP protection. In the event you complete a brand new automotive, you may owe extra in your mortgage than the automotive is value. GAP protection pays the distinction between your mortgage and the worth of your car.

Within the spirit of celebrating neighborhood servants, California Casualty additionally presents 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 one of the best dwelling insurance coverage choice on the market.

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

  • Dwelling. This portion of your coverage protects the bodily construction of your house, 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’ll sue you in case you’re chargeable for the incident. Legal responsibility helps pay to your authorized charges in case you are 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 could be changed by means of your insurance coverage.
  • Dwelling bills. If your house is broken to the purpose it’s unlivable, California Casualty will reimburse you for lodging and meals prices when you watch for repairs.

As with its automotive insurance coverage, California Casualty presents a number of add-ons meant to have fun the work of neighborhood servants. These embody:

  • Off-duty weapons theft. In case your personally-owned off-duty weapons are stolen out of your property, you’ll be able to rise up to $5,000 to exchange them.
  • Fallen hero/fallen officer survivor. If a firefighter or police officer dies within the line of responsibility, their household will obtain a demise profit.
  • Faculty violence demise survivor. With elevated violence on American campuses, an educator’s household will obtain a demise profit if they’re killed in an assault throughout faculty hours.

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

Different Forms of Insurance coverage From California Casualty

Insurance coverage is likely one of the finest issues you will get to guard the issues that matter in your life. With that in thoughts, California Casualty presents an extended record of insurance coverage merchandise:

  • Motorbike. Much like commonplace auto insurance policies, motorbike insurance coverage is tailor-made with bikes in thoughts. Most states require motorbike insurance coverage to drive.
  • Mexico journey. In the event you plan on driving to Mexico, your American insurance coverage received’t work south of the border. California Casualty works straight with Mexican insurance coverage businesses to make sure you have the protection you want.
  • Rental. Rental homeowners want safety just like householders, however there are distinctive variations that this plan accounts for.
  • Traditional automotive. In contrast to fashionable automobiles, basic automobiles are an funding, and your insurance coverage coverage ought to defend them as such.
  • Snowmobile. They might be leisure automobiles to most, however California Casualty takes their safety significantly. You will discover lots of the identical forms of protection for snowmobiles as you’d 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 to your belongings. Renters insurance coverage protects your private property and is normally extremely inexpensive.

This can be a small collection of the insurance coverage choices you should purchase by means 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 price?

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

Though California Casualty costs are about 30% greater than the nationwide common, it does provide a variety of reductions to assist carry the worth again down. These embody:

  • Bundling
  • Multi-car
  • School graduate
  • Good scholar
  • Mature driver
  • Non-smoker
  • Security and safety features
  • Retired

Once more, That is solely a pattern of the options California Casualty presents. Whenever you join a coverage with this firm, an agent will comb by means of your particulars to be sure to get each low cost attainable.

California Casualty Critiques

California Casualty’s mission is to assist lecturers, nurses, and different neighborhood servants, and it appears to be engaging in that objective comparatively effectively. Most buyer evaluations are constructive.

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

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

Individuals principally report that the claims course of is lightning quick, and there are not any points getting claims paid.

Damaging evaluations are tougher to seek out. Those that do exist principally point out issues with canceling insurance policies.

For skilled ranking companies, 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 Automobile Insurance coverage for Your Wants

Though you should be a instructor, nurse, firefighter, police officer, or different neighborhood servant to be eligible, California Casualty could be the most suitable choice for you in case you qualify. California Casualty has merchandise for almost any insurance coverage want.

Even in case you’re all for a quote for California Casualty insurance coverage, it is best 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

Editorial Pointers: We’re a free on-line useful resource for anybody all for studying extra about insurance coverage. Our objective is to be an goal, third-party useful resource for every little thing insurance coverage associated. We replace our website usually, and all content material is reviewed by insurance coverage consultants.

Ashley Dannelly has a Grasp of Arts in English and teaches English at Columbia Worldwide College and different greater training establishments. She can also 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 …

Full Bio →

Written by

Ashley Dannelly
College Professor and Private Coach
Ashley Dannelly

Rachael Brennan has been working within the insurance coverage business since 2006 when she started working as a licensed insurance coverage consultant for twenty first Century Insurance coverage, throughout which period 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 effectively. She has labored for small well being insu…

Full Bio →

Reviewed by

Rachael Brennan

Licensed Insurance coverage Agent

Rachael Brennan


Leave a Reply