Personal

California Auto Insurance

As your local insurance agent, we are dedicated to securing drivers the most dependable California car insurance— without the restrictions and red tape presented by the average insurance company.

At Bravo Insurance we aim to supply you with as many options as possible—not to mention that we have the ability to provide you with a competitive, California auto insurance allowing you to secure an affordable policy with us from the comfort of your own home!

It’s important to remember that vehicle coverage can protect you from loss in the event of an unfortunate accident—making it all the more critical that you obtain reliable auto insurance. California drivers will find themselves fully protected with a Bravo Insurance policy; we offer the following options for your California car insurance coverage:

• Bodily Injury Liability - covers injuries to others caused by the policyholder while operating an automobile.

• Medical or Personal Injury Protection - covers treatment of the driver and passengers of the policyholder’s car in the event of an accident.

• Property Damage Liability - covers damages caused to someone else’s property by the policyholder while operating an automobile.

• Collision - insures the policyholder from loss during a collision with another vehicle or object.

• Comprehensive - protection for the policyholder’s car from damage and loss resulting from incidents other than collision.

• Uninsured Motorist Coverage - covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured driver.

We recognize that you want to make sure you’re fully covered for a range of vehicle risks—yet at the same time you’re trying to keep premium expenses at the forefront of your mind. That’s why our insurance specialists are dedicated to helping you find the most comprehensive, dependable California auto insurance.

California Motorcycle Insurance

Selecting your motorcycle is a big decision. But protecting it is easy.

Whether you're a weekend warrior, a casual rider, or a hardcore motorcyclist, our California motorcycle insurance offers protection for you, your bike, and your accessories. Our policy is designed to meet the distinct personal and financial needs for a variety of motorcycle riders, despite your level of experience.

All you need to do is choose the type of coverage and deductibles that best suit your unique motorcycle and your specific lifestyle—then we'll take care of the rest. We offer competitive prices plus convenient payment plans, and we'll place your coverage with a company that has the financial stability to be there when you need them most.

We hope you never have a bad day – or suffer from an unfortunate accident – but if you do, our dependable California motorcycle insurance and beyond, is designed to help turn that all around, and get you back on the road as soon as possible, so that you can continue to do what you enjoy most.

And there’s no doubt that you'll qualify for some of our discounts that will make your motorcycle insurance premiums even lower than ever. We want you to enjoy your ride with the peace of mind that comes from knowing you're covered with reliable motorcycle insurance.

California riders may qualify for a number of discounts including:

• Premium breaks when insuring more than one motorcycle

• Mature riders discounts

• Discounted rates for policy renewals

• Credit for qualified safety courses

• Discounted rates when you have multi-policies with our company

Discounts that could significantly lower your insurance premium aren’t the only reason to place your policy with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a motorcycle insurance policy that meets your specific needs your as a proud bike owner. We’ll walk you step by step, showing you what coverage options may be available and how to get the personalized protection you deserve.

Even if you've been riding for years, it's a good idea to take a close look at your motorcycle insurance. California clients – and beyond – will benefit from a thorough coverage evaluation, allowing us to properly judge the level of coverage you need. It’s important to remember that things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle.

You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Regardless of the type of motorcycle rider you are we quote motorcycle insurance for every lifestyle. Why not get started right now and save with a free California motorcycle insurance quote today?

California Homeowners Insurance

Owning your own home is a major milestone, now the next step is properly protecting you and your investment from an array of risk exposures with comprehensive California homeowners insurance.

In order to secure you the most appropriate policy, Bravo Insurance takes the time to fully understand your individual needs—because let’s face it, every home and homeowner is different. As your leading independent insurance agency we have the ability to shop multiple carriers, both locally and nationwide, comparing rates and resulting in the best possible solution for your home insurance.

California residents, homeowners in Downey, or quite frankly anywhere within the Southern California area, have the opportunity to secure themselves personalized, custom home insurance policies. Complete California homeowners insurance – and beyond – typically includes protection for the following:

• The physical structure of your home

• Replacement cost

• Personal possessions

• Additional living expense (in the event of covered loss or a natural disaster)

• Personal Liability

Looking for specialty products, for those unique exposures vulnerable within your standard home insurance? California homeowners can rest assured—our specialized home insurance policies can be further enhanced by purchasing additional endorsements, such as:

• Valuable Articles/Floater Insurance policies (i.e. Jewelry Insurance)

• Flood Insurance policies

• Earthquake insurance policies

• Umbrella Insurance policies (additional liability)

• Animal Liability (liability issues due to household pets)

At Bravo Insurance we know what may work for one homeowner, won’t necessarily work for you. Which is precisely why we aim to create tailored California homeowners insurance policies, and policies for homeowners all across the region, that reflect the distinct needs of you, your family and your unique property.

Renters Insurance

What is Renters Insurance?

Basically, renters insurance acts as a homeowners insurance policy for those who rent their place of residence. Whether you live in a condo, apartment, house, duplex, etc., renters insurance can protect you and your assets. Having renter’s insurance can help devoid costs of damages should anything happen to a rental property that you are living in.

Doesn’t My Landlord’s Insurance Cover Me? 

NO! Do not make the mistake of assuming your landlords homeowners insurance will cover you and your assets. A landlord’s policy covers only the physical structure of the rental property, not your belongings. If the person who owns the building has rental insurance, they will be protected from costs to them should something happen to the building, but they are not responsible for covering your belongings.

The Next Step…

Purchasing renter’s insurance ensures that your property is protected. Don’t make the mistake of thinking you are invincible; you do need insurance for your belongings, even if you live in a rental property. You are the only one who is responsible for protecting your assets.

Flood Insurance

Flood insurance provides protection for destruction and financial devastation caused by floods. Although it may not seem like much even a few inches of water can cause serious damage; resulting in thousands of dollars in repair and restoration costs. Homeowners insurance does not cover floods. Purchasing a flood insurance policy through Bravo Insurance can protect you.

Although it may not seem as necessary as homeowners insurance, flood insurance is important if you want to keep your home safe and your possessions secure. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.

Different types of policies are available based on your property’s location and flood history:

Standard Flood Insurance Policies
If you live in a community that participates in the NFIP, your building and its contents can be covered by a standard flood insurance policy. The National Flood Insurance Program (NFIP) was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.

Preferred Risk Flood Insurance Policies
If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren't required to purchase flood insurance in low-to-moderate risk areas, a preferred risk policy will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.

Don't wait until it's too late. Bravo Insurance today will get you on the path to flood protection with an affordable and comprehensive flood insurance policy.

Affordable Health Insurance for California

As your trusted California insurance agents, we know that finding the most reliable and affordable health insurance in California package isn’t easy—precisely why we want to be on your side, fighting to get you the complete coverage you deserve.

It is nearly impossible to live without health insurance these days. With the rising costs of health care – and the heavily debated government-backed initiatives - many people are finding it difficult to find affordable health insurance, that doesn’t force them to sacrifice quality care.

There are numerous reasons why Americans are looking for reliable health insurance. Whether it’s because your employer or company does not offer health coverage, or you are self employed, you may find yourself in a position where you need to seek your own Calforinia health insurance plan.

California health insurance most often provide coverage for:

• Doctors visits

• Prescriptions

• Medical Testing

• Specialized care

• Surgical procedures

Here at Bravo Insurance our dedicated agents take the time to work with you directly, to create a policy that best suits your lifestyle and needs.

It’s also important to consider your financial situation, as well as the health of both you and your family members when creating a health insurance policy. Most insurance agents can offer you two types of health care coverage:

Indemnity Plans (or Fee-for services plans)

• Cafeteria/Flexible Spending Plans

• Indemnity Health Plans

• Basic & Essential Health Plans

• High Deductible Health Plans (HDHP)

• Health Savings Accounts (HSA)

Managed Care Plans

• Health Maintenance Organizations (HMOs)

• Preferred Provider Organizations (PPO)

Don’t allow yourself to remain unprotected. Contact Bravo Insurance today, for a free quote regarding affordable health insurance. California residents truly are in good hands!

California Life Insurance

At Bravo Insurance we go far beyond being standard California insurance agents, we aim to be the insurance experts you trust to protect your most significant asset, your life.

From providing you with reliable California car insurance, home and business coverage, we continue to go above and beyond by protecting your life with dependable Calfornia life insurance. We understand that trying to secure the right life insurance plan can get a bit stressful, and it certainly takes time. From the necessary research to weighing the pros and cons of term life insurance versus whole life, variable and beyond—it’s easy to get overwhelmed.

Which is why we’re here for you! At Bravo Insurance, our agents are well versed in all aspects of CA life insurance– and beyond! Our clients will benefit from a team that wants to be your more than just your insurance source—we want to be the trusted coverage specialist you rely on to handle all of your Pennsylvania life insurance needs.

In addition to helping you navigate your way through one of the most critical policy decisions you will ever have to make; we pledge to secure you a custom life insurance plan you can depend on—and one that is exclusively tailored to your personal needs.

Calfornia Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance… the list and combinations seem endless. At Bravo Insurance we want to help you determine which life insurance policy type is right for you. Our dedicated team of life insurance professionals understands California’s market and regulations and can find the right plan – or mixture of options – that fit your unique needs.

California Term Life Insurance Basics:

• Coverage for a “term” or period of your life.

• Lower premiums for higher coverage.

• Rates can change after specific terms expire.

• No equity – cannot be used as cash value.

California Whole Life Insurance Basics:

• Exactly like it says – permanent, not for a specific period.

• Protection carries with you your whole life.

• Can build equity and have cash value.

• Higher premiums than term life, but can be more valuable in the long run.

Term and Whole Life Combined:

• Build lifelong base of whole live coverage.

• Supplement specific times of your life with term insurance.

With so many alternatives it’s understandable that you may feel a bit frustrated—so why don’t you enjoy living your life and leave the insurance part to us! It’s all about you, and you are certainly worth insuring with effective life insurance! California residents are encouraged to contact us today for a complimentary coverage evaluation and free life insurance quote —let one of our life insurance experts get you started on the right path!