A ONE STOP MULTI-SERVICE INSURANCE AGENCY
DME Insurance Services, LLC.
Insurance solutions tailored to your needs! With added conveniences like In-house Registration and Titling Services, fast turnaround on Live Scan Requests and Professional Income Tax Preparation!
You wouldn’t gamble your life away, so why gamble your assets?
When you scratch a lottery ticket, you know your chances of winning the lotto are slim to none… yet spending a dollar or two may be worth it, if the payoff is great enough. Insurance is a lot like the lotto. You pay a premium not because you expect to get into an accident today or lose your home in a fire next month, but because of the peace of mind it offers knowing you’re financially protected if and when it does happen.
What can we help you with?
Insurance is required on all vehicles driven or parked on California highways. Proof of insurance must be in your vehicle at all times.
The minimum coverage required by the state of California, is Liability. If you cause an accident, liability coverage helps pay for the other party’s medical bills and property damage. It may also help pay for legal fees, if you’re taken to court over the accident. Coverage’s are tailored to your needs since you might be just fine with only the state minimum or you might need extra coverage’s like Uninsured Motorist or the famous “Full Coverage”. Give us a call and inquire today. Find out how “Full Coverage” is not even an actual coverage.
Our companies specialize in Non-Standard risk meaning… No License, NO PROBLEM! Tickets or Accidents, NO PROBLEM! SR-22 filing, NO PROBLEM! We got you! … Competitive Pricing Available!
Homeowners insurance typically helps cover the actual physical structure (dwelling) of the home, other structures on your property (i.e. garage), personal property within (i.e. furniture, jewelry), and often additional living expense (i.e. hotel bills) from covered losses, such as fire or theft. It may also help cover costs if you accidentally damage another person’s property or if a visitor is injured at your home.
Typically earthquakes and floods are excluded, though coverage for these may be added though an endorsement or purchased as a separate stand alone policy.
Renters insurance are similar in coverage to homeowners however they do not cover physical structures on the property since renters do not own the structure(s), they only rent. Property Owners, Landlords, insure these through dwelling policies. Dwelling coverage helps pay for rebuilding or repairing the physical structure(s) of the property but not tenant’s personal belongs.
Motorcycles are among the vehicles required by the state of California to carry insurance. You do not need to have a Motorcycle Endorsement on your driver’s license to be able to insure your bike with us however you do need to have a valid driver’s license. Coverage’s on these types of policies are similar to those on personal auto policies yet often with optional additional coverage’s such as Accessory Coverage to help with things such as helmets, apparel, and audio devices. Prices and coverage’s vary but are often very effective and highly affordable.
Commercial auto policies are designed for vehicles used for business purposes. These policies help business owners cover financial costs resulting from an accident if they or an employee are found at fault. Acceptable vehicles consist of company cars and a variety of commercial trucks and vans.
Coverage’s are similar to personal auto policies but with options to combine limits or select higher limits. Certain occupations may also qualify for Cargo Coverage.
**Consider obtaining a General Liability and/or Professional liability policy to protect your business from lawsuits; multi-policy discounts available.
In a world of lawsuits, General Liability is one of the most important coverage’s you can buy for your business.
It can help cover costs of bodily injury, property, and advertising damage claims made against your business.
Often just one incident alone can cause your business to go bankrupt. Don’t let that happen to you. Consult today!
Surety bonds are a promise by a surety company to pay one party a certain amount of money if a second party fails to meet an obligation.
There are three parties. 1. The Principal: The person who must make good on an obligation, to one that needs to post bond. 2. The Obligee: The person who needs the guarantee that the Principal will perform, the one requiring the bond. 3. The Surety: The company or guarantor that provides financial guarantee to Obligee on behalf of the Principal.
Certain industries might require you to get a bond before you can legally conduct business. Keep in mind, surety bonds are not like your typical insurance policy for your business. Surety bonds are an indemnity agreement you sign where you must agree to pay the surety back if they have to pay a claim due to a violation by your company.
Vehicles depreciate but when you restore and give that 40 or so year old car a custom paint job, the value of that beauty increases. Classic Car Insurance cover an agree upon value you establish with the company since market value for those cars may be far from it.
To avoid any disputes or arguments in the event of a theft or a total loss, make sure your vehicle is properly appraised and valued at the correct amount.
Classic car policies have many provisions therefore, make sure to know exactly what is covered, at what amounts and what is restricted and/or excluded from coverage.
Watercrafts and Recreational vehicles fall under Specialty Lines insurance. Specialty Lines policies cover items such as ATV’s, Boats and RV’s which are not typically covered under your typical insurance policy.
Boat insurance covers most watercrafts with motors like fishing boats or yachts. Even though you might not think these are necessary or required these types of policies are often times needed to get a spot at the marina.
RV insurance cover similar risks like personal autos but often time with additional protection for thing such as personal belongings on board, equipment and attached accessories.
U.S. auto policies typically exclude coverage when traveling to Mexico. Certain companies, and rare are those that do, may offer endorsements for Mexico Insurance but they are usually limited to certain miles and policy provisions. Mexico Tourist Auto Policies come with competitive pricing and extended coverage options regardless of whether you need it for only a few days, weeks, or a few months.
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