Property Insurance

Insurance protection to help you feel secure at home. Serving all of California.

Joe Guidi is on your side. As an independent insurance agent, we review multiple insurance companies and compare protection and prices to find the best value for you.

We’re your neighbors — real members of the state of California. We know what’s important for your homeowners’ insurance policy in California, and we’re committed to being your advocate in times of need.

To talk with one of our helpful team members about your insurance needs, contact us today.

Homeowners Insurance

Protect your most valuable asset with the right policy. Serving all of California.

If your home were damaged or destroyed, you would want your claim settled by an insurance agency that understands this simple fact.

Joe Guidi can help you find the home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.

Whether you own a house, apartment, or condominium — the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!

Renters Insurance

Find inexpensive coverage for your personal property. Serving all of California.

You have a lot of things that are important to you — from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk

Let Joe Guidi help you find coverage options that protect you, your family, and your personal property. Call us at 619-876-6866 and let us help to make sure you’re properly covered.

Condo Insurance

Condos are unique. Find the coverage you need. Serving all of California.

Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement.

Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association. You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss.

Landlord Protection Insurance

Get the right coverage to protect your rental properties. Serving all of California.

A rental property is a great investment, especially if you protect your assets with excellent coverage. Make sure that you and your property are covered when choosing a landlord protection insurance policy.

Landlord Protection liability insurance options protect you and your spouse or domestic partner against personal injury, wrongful eviction, or wrongful entry as well as other non-bodily injury claims such as libel and slander.

Earthquake Insurance

What are the two most important things to know about earthquake insurance?

1. Most home insurance policies do not cover earthquake damage.

2. Even if you don’t live in an area where earthquakes are common, you may still need earthquake insurance.

Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. For many of our neighbors in California, earthquake insurance can be inexpensive – Contact Joe Guidi to find out what the costs would be for your home.

Earthquake insurance can have many options

Most homeowner, condo and rental insurance policies do not cover damage caused by an earthquake, but coverage can be purchased as an endorsement or a separate policy. You may be able to choose to purchase earthquake insurance from the same company that provides your home insurance, from a specialized earthquake insurance provider, or from an independent organization such as the California Earthquake Authority (CEA).

Personal Umbrella Liability Insurance

To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.

CALIFORNIA – WHAT’S PEACE OF MIND WORTH TO YOU?

An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered.

DO YOU HAVE ENOUGH LIABILITY INSURANCE?

Imagine what would happen if your dog was to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets, or your future earnings.

LIABILITY INSURANCE STARTS WHEN THE OTHERS STOP

Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available. Talk with Joe Guidi to determine the right amount of coverage for your needs.

BROAD COVERAGES

An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.

Auto Insurance

Get the car insurance coverage you need at a price you can afford. Serving all of California.

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event.

Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

As a local, independent insurance agency, Steele Insurance Agency, Inc. can help you find the right policy for your car by comparing quotes and coverage options from several top providers. In addition to cars, we insure motorcycles, classic cars, motor homes, boats, Jet Skis and ATVs too.

Request a free online quote or call us at 760-800-8200 to get started.

How Much Auto Insurance Do You Need?

We’re based in California, so our team understands the auto insurance needs of our customers.

Auto insurance requirements vary by state. In most states, to drive you must carry:

Liability coverage — to pay for losses you cause others, or
No-fault coverage — to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
Both liability and no-fault coverage

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply.

We write insurance in California and would be happy to help you ensure you have the right coverage for where you live.

COLLISION INSURANCE

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually includes an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

COMPREHENSIVE INSURANCE (OTHER THAN COLLISION)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.

Every situation is unique — talk to us today to find out how to get the best value on auto insurance. Request a free quote or call today at 760-800-8200.

Joe's Insurance Sales