Auto Insurance  |  Boat Insurance  |  Earthquake Insurance  |  Flood

Homeowners Insurance
  |   Life Insurance  |  Recreational Vehicle Insurance

 Personal Liability Umbrella Coverage

Auto Insurance

How much you pay may vary by company based on the car(s) you drive, your driving record, age, gender and much more. Our experts will ensure you are getting the best coverage at the best price to meet your needs. Ask about money saving discounts for:


Boat Insurance

A boat owner’s policy can insure you against most risks of owning your boat and its accessories.
With the right coverage you can enjoy the water and leave your worries ashore. A boat owner’s policy can also protect you against liability lawsuits if you should injure someone with your boat or damage their property.


Earthquake Insurance

Earthquake insurance is necessary because earthquakes in California are a fact of life. Most homeowners and commercial property policies exclude coverage for earthquake damage and earthquake sprinkler leakage. If you own a home in California, you need to consider purchasing earthquake coverage.

Garcia Insurance has been providing earthquake coverage to California property owners for more than 60 years. We are earthquake insurance experts. We work with the leading residential and commercial insurers to find the insurance policy that best fits your needs.



Floods in California are a fact of life making insurance a necessity. Most homeowners and commercial property policies exclude flood damage. Flood zones are controlled by the state. If you own a property you may want to consider purchasing the coverage.


Homeowners Insurance

Homeowner’s insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.


Life Insurance

Whether it's protecting your family or business, covering a debt or mortgage, or funding a college education or retirement, life insurance is an essential tool to provide you and your family with financial peace of mind.

Garcia Insurance offers a variety of term and permanent life insurance policies and the expertise to help you select the right policy for you. We’ll cut through the complexity and help match your unique personal, family and business situation with the proper type and amount of coverage.


Recreational Vehicle Insurance

Your recreational vehicles are for fun and enjoyment. Don’t let an accident or an unexpected event ruin that pleasure or harm your investment. RV insurance offers a wide range of coverage to protect you legally and financially if you are involved in an accident or your RV is damaged due to fire, theft, or vandalism. You may also be protected if you incur medical expenses resulting from an accident in your own vehicle or from another person’s vehicle. By protecting your RVs with the necessary specialty coverages you won’t infringe on your investments or lifestyle.


Personal Liability Umbrella Coverage

We live in a society where people are suing each other more than ever. With verdicts amounting to hundreds of thousands of dollars being awarded by juries across the country, lawsuits are increasing by the numbers. By accidentally injuring someone or damaging their property you are risking being sued. You may have a policy that provides substantial liability limits; however, it is not uncommon for the awarded damages to exceed those limits.

By protecting yourself with additional personal liability protection you will be in a much better situation when unexpected circumstances arise. For more information on this type of coverage, contact Garcia Insurance today.

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