Auto & Home Insurance

Holly and her team have been working together to bundle homeowners, automobile, and umbrella liability packages for over three decades. They have access to numerous preferred insurance carriers. Let Bishop Insurance customize a cost-effective insurance solution to protect your personal assets.

Required Coverage

Liability Insurance is required for every driver in California, and certain minimum coverages limits apply. Liability Insurance pays for bodily injury and property damages that you are legally liable for.

Optional Coverage

Collision Coverage. While Liability will pay for the damages to the other driver’s vehicle, the driver who is responsible for an accident will also be responsible for their own repairs. Collision Insurance will pay for these damages, subject to your deductible.

Comprehensive Coverage. In situations where other factors cause damage to your car, such as theft, fire, vandalism and glass breakage, Comprehensive Insurance will cover these damages, subject to your deductible.

Medical Payments Coverage. Covers the medical costs (up to the specified limit) resulting from an auto accident for you, your family, or others in your car. This coverage pays regardless of fault.

Uninsured/Underinsured Motorist Coverage. Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance or who does not have sufficient liability limits to pay for damages, subject to policy limits. Uninsured Motorist comes in two parts: uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD). UMBI coverage pays for injuries to you or any person in your car when there is a collision with an uninsured/underinsured driver. UMPD coverage pays for the property damage to your car when there is a collision with an identified uninsured driver.

Rental Reimbursement Coverage. This coverage pays your expenses to rent an auto if you have a loss covered under Comprehensive or Collision benefits. Coverage is sold based on a daily amount of expense subject to a maximum limit.

Towing & Labor Coverage. Addition to an automobile policy that pays a specified amount for towing and related labor costs.

California homeowners face a number of unique risks – wildfires, earthquakes and flooding. With over three decades of experience, Bishop Insurance offers you the expertise and peace of mind that your home is properly protected for the most common risks.

California Homeowner’s Insurance Protection

The different types of coverage offered by a typical homeowner’s policy are:

• Coverage A: Dwelling– Provides coverage to your home and attached structures, such as a garage.
• Coverage B: Other Structures– Provides coverage for detached structures located on your property such as a shed, swimming pool, unattached garages and fences.
• Coverage C: Personal Property– Provides coverage for the contents of your home and other personal belongings owned by you and other family members who reside in the household.
• Coverage D: Loss of Use– Provides additional living expenses you may incur if you home becomes uninhabitable due to a covered loss. These additional expenses might include hotel, food, storage, etc.
• Coverage E: Personal Liability– Provides coverage in the event you or a resident of your household are legally responsible for injury to others or property damage.
• Coverage F: Medical Payments– Provides coverage for reasonable medical expenses to non-household members accidentally injured on your property.

We will help you determine what protection is necessary to protect your home. Common coverages included in Homeowners Insurance include: Fire, Smoke Damage, Theft, Vandalism, Lightening, Windstorm or Hail, Sudden & Accidental Water Damage, Explosions, Falling Objects, etc.

Additional Homeowner’s Insurance for Unique Situations

Your personal situation may require additional coverage to protect your assets, such as higher liability limits or an umbrella policy. Also, you may have valuables that basic policies won’t protect, which we can cover separately for you. We’ll also explain how you can add coverage for certain losses that can be caused by natural disasters, such as flood and earthquakes, which are not always covered by a typical homeowner’s policy.