FAQs

Since January 1, 2025, California requires liability limits of at least $30,000 for injury to one person, $60,000 for injuries per accident, and $15,000 for property damage, often written as 30/60/15. Many drivers choose higher limits to better protect their savings. Get an auto insurance quote.

No. California does not allow insurers to use credit scores to rate auto policies. Your driving record, the miles you drive each year, and your years of driving experience carry the most weight. Learn more about auto insurance.

California law requires insurers to give qualifying good drivers a rate at least 20% lower than they would otherwise charge. In general, you need at least three years of driving experience and no more than one point on your record. See if you qualify with a free auto quote.

Yes. We quote motorcycle coverage, and we also help with RVs, boats, ATVs, and classic cars. Get a motorcycle insurance quote.

No. A standard homeowners policy does not cover earthquake damage. In California, your insurer must offer earthquake coverage in writing, and you can add it as a separate policy. Learn more about earthquake insurance.

Standard homeowners policies exclude flood damage. Flood coverage is sold separately through the National Flood Insurance Program or private flood carriers, and NFIP policies usually have a 30-day waiting period before coverage starts. Get a flood insurance quote.

Your landlord's policy covers the building, not your belongings or your personal liability. Renters insurance can help pay to replace your things after a covered loss and protect you if someone is hurt in your unit. Get a renters insurance quote.

Your HOA's master policy usually covers the building and common areas. A condo policy covers your belongings, your personal liability, and parts of your unit the HOA policy does not, such as interior improvements, depending on your HOA documents. Get a condo insurance quote.

Yes. California requires every employer to carry workers' compensation, even with just one employee, including part-time workers. Operating without it can lead to stop orders and penalties. Get a workers' comp quote.

General liability helps pay for claims that your business caused bodily injury or property damage to someone else, along with certain advertising injury claims. It does not cover injuries to your own employees or damage to your own property. Get a business insurance quote.

If your business owns vehicles, or you and your employees drive for work, a personal auto policy may limit or exclude that use. Commercial auto coverage is built for vehicles used in your business. Learn more about commercial auto insurance.

A commercial umbrella adds extra liability limits on top of policies such as general liability, commercial auto, and employer's liability. It can help when a large claim goes beyond those underlying limits. Learn more about business umbrella insurance.

Term life insurance covers you for a set period, such as 10, 20, or 30 years. If you pass away during the term, your beneficiaries receive the death benefit. It is often the most affordable way to buy a larger amount of coverage. Learn more about term life insurance.

Whole life insurance is permanent coverage designed to last your entire life as long as premiums are paid. It also builds cash value over time that you may be able to borrow against. Get a whole life insurance quote.

A common starting point is to add up debts, your mortgage, years of income your family would need to replace, future costs like education, and final expenses. We can walk through the numbers with you. Request a free life insurance quote.

No. Farmers Insurance - Young Douglas is appointed with Farmers and other carriers, so we can compare options and help you find coverage that fits your needs and budget. Get a free insurance quote.

Our office is at 3602 Inland Empire Blvd #C330, Ontario, CA 91764, and our hours are 9:00 to 5:30, and in-person visits are by appointment. We serve clients across California. You can also call us at (909) 972-0699. Contact us.

Yes. Our insurance cost estimator gives you a general range based on a few details. Your actual premium depends on underwriting, the coverage you choose, and the carrier. Try the insurance cost estimator.

For auto, have driver license numbers, vehicle details, and your current policy. For home, have the property address, year built, and roof age. For business, have a description of your operations, annual revenue, and payroll. Start your free quote.