WHY DO YOU NEED INSURANCE?
By law we are required to have at least liability; which covers bodily injury and property damage that you may cause to others. Others coverages include uninsured and underinsured motorist, personal injury projection, medical payments, and comprehensive and collision ( Full Coverage).
Auto insurance is needed to provide financial protection against physical damage or bodily injury resulting from traffic collisions and other damages to your car. Just because you’re a safe driver doesn’t mean everyone else around you is! Drive protected with Calema insurance!
Homeowners insurance provides protection of your home and personal property if they are damaged as well as providing protection if the insured is held liable for damages of another persons physical self or possessions while on the property.
Renters insurance can help you repair or replace property after loss due to damage or theft. It can also provide coverage for an accident at your residence. Renters insurance does not cover personal belongings.
Commercial insurance consists of 3 different type of insurance; property liability and workers compensation. It protects damages to your business property; liability insurance covers damages to third parties; and workers’ compensation insurance covers on-the-job injuries to your employees.