California Insurance FAQs

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California Insurance FAQs

Insurance can be a confusing topic, and consumers have a lot of questions about terms, coverages, and insurance legislation.

Our FAQs provide you answers to questions asked by California residents just like you.

Don't search for insurance without knowing the facts. Access our California Insurance FAQs for answers to some of the most common California insurance questions.

Auto Insurance FAQs »

Should I buy optional insurance? What happens to uninsured motorists?Can I get auto insurance with just a Learner’s Permit?What constitutes proof of car insurance?Is minimum liability insurance enough?How can I save money on auto insurance?

Business Insurance FAQs »

Doesn’t my home insurance cover my in-home business?How can I lower costs for California business insurance?How do I determine how much coverage my business needs?What is a BOP, or Business Owner policy?Do I need business insurance if I lease my place of business?Do I need California business insurance if my business doesn’t make much money?

Health Insurance FAQs »

Why are managed-care health plans good?What if the coverage I want isn’t in my plan?To what extent is mammography covered under California Law?Does my California health insurance coverage protect my over-18-year-old child in college?How can I save money on my health insurance?Should I take group insurance or buy individual insurance?

Home Insurance FAQs »

How can I save money on home insurance?What kinds of damage are usually excluded?What kinds of damage are usually covered?What if I am denied California home insurance?Does home insurance pay for possessions away from home?Does my home insurance pay for injuries to clients at my home office?

Life Insurance FAQs »

Can I get life insurance if I am a high risk, such as a smoker or a scuba diver?How old can you be to get life insurance?How can I cushion my spouse against estate taxes?What is guaranteed issue life insurance?What are the main reasons people buy term life insurance?What is mortgage life insurance?

Motorcycle Insurance FAQs »

Is a passenger covered by my liability insurance?Will insurance pay the costs of the upgrades and accessories I’ve added?How can I insure my custom-made motorcycle?How much medical coverage is enough?What kinds of questions will I be asked when I apply for motorcycle insurance?How can I save money on motorcycle insurance?

Renters Insurance FAQs »

Does renters insurance pay for damage or loss of possessions in my car?Do I really need California earthquake insurance?Can I share renters’ insurance with my roommates?What is a “master policy”?How can I save money on renters insurance?What are the main risks of damage for renters in California?