Blog

Life is the most precious asset that we have. But if you lose it, your loved ones are more affected than you. Apart from the emotional loss that they have to cope up with, they will also have to deal with a huge financial crisis, especially if you have been the sole breadwinner of the family. That is why while you are still alive, you should make some arrangements and that will keep their economic status stable even after your demise. What you need is a good life insurance policy. We, at SBC Insurance, can be the right solution for you. We are an established and reliable company which has been in this field for a long time. We bring you a wide range of insurance programs, right from home, automobiles, and business to life, and health insurance programs.  We are known for our variety of insurance programs under the same roof and client-focused services. So, if you belong to areas such as Palo Alto, Sunnyvale, Stanford, CA, Mountain View, Menlo Park, or Los Altos, then you can opt for us.

Here, we have put together a few things to look out for while choosing the right company for life insurance. Take a look.

• Independent Insurance Agency

One of the first things that you need to look out for is if the company you are choosing is an independent insurance one or not. An independent insurance agency can provide you with multiple carrier options to choose from. You will be able to find a policy this is suitable for your particular requirements and will meet the budget as well if you go for this option.

• Reputation

The next thing that you need to look out for is the reputation of the company in the market. Just go through the client reviews, feedbacks comment online ratings of the company to understand the sort of standing they have in the market. This will give you an idea of the kind of service you can expect from them and help you make a reliable choice.

So, if you are thinking of choosing us for your life insurance protection, contact us now.

Are you running a business? Being a business owner is quite a responsible job because you not only have to look after the business product, development, or marketing strategies but you also have to look after your employees and protect your taxes. A simple step that can solve both the problems for you would be to invest in a good group health insurance program. This will protect your employees as well as save your taxes. We, at SBC Insurance, can be the right choice for you. We are an established and reliable company which brings you a wide range of insurance programs. Right from home, automobiles, and business to even life, and health insurance programs, we can help you with everything. We are known for our quality coverage and customer-oriented approach. We are also an independent insurance agency which means you can get multiple carrier options from us. So, if you belong to areas such as Stanford, CA, Sunnyvale, Mountain View, Menlo Park, Palo Alto, or Loyola, CA, then you can choose us.

Here, we have put together a few tips that will help you find the right company for your group health insurance program. Take a look.

• Ask Around

There may be many business owners like you who have invested in this kind of insurance policy. You just have to ask your friends and family for a few suggestions or referrals. This will help you make a more reliable choice and save you from fraudulent activities.

• Research Online

Another thing that you can do to find the right company for these kinds of insurance programs is to research on the Internet. All you have to do is just go to the client feedbacks, reviews comment online ratings of the company. This will give you an idea of the sort of standing they have in the market and what you can expect from them.

And if you are thinking of choosing us, contact us now.

Do you own any kind of personal vehicle? No matter which kind of automobile you own, the car or a motorcycle, the certain risks and challenges that an automobile owner faces will be the same for you as well. Having a personal vehicle is definitely convenient but you also have to be prepared to face a few losses. For instance, after a certain point in time due to regular wear and tear, your car could require frequent repairs for which you might have to pay huge costs when accumulated. Or if there is an accident, you might have to pay high medical bills as well as liability payments. The solution for you would be to go for a car or a motorcycle insurance. We, at SBC Insurance, can be the right choice for you. We are an established and reliable company which has been in this field for over 40 years in our. We bring you a wide range of insurance policies, right from home, business, health to even life, and auto insurance. We are known for our quality coverage and customer oriented approach. So, if you are from Sunnyvale, Palo Alto, Los Altos, Stanford, CA, Loyola, CA, or Mountain View, then you can opt for us. 

Here, we have put together a few things to check about a company offering you motorcycle insurance. Take a look. 

• Independent Insurance Agency 

One of the first things that you have to check about the company is if it is an independent insurance agency or not. Going for an independent insurance agency means getting a number of carrier options to choose from. This enables you to find a policy which will suit your specific requirements and also meet your budget. 

• Affordable Premiums 

Another thing that you have to check about the company is the sort of premium rates they are offering. You surely would not want to spend all your money on insurance and that is why the more you can save, the better it is. Just ask for the quotes in advance and see if it is affordable for you or not. 

So, if you are interested in our insurance programs, contact us now. 

There are various kinds of problems in life for which you might have to face a number of losses. While some of these losses can be controlled and even prevented, there are others which can only be compensated. In order to get a compensation like this for these kinds of losses, you have to invest in an insurance policy. Be it your property damage, a theft or burglary incident at home or office which led to the loss of various valuables, or even liability payments due to an accident, only a good insurance policy for these purposes can save you.  We, at SBC Insurance, can be the right solution for you. We are an established and reliable company which has been in this field since 1971. We can provide you with a wide range of insurance policies, right from home, health, and life to even automobile, and business insurance policies. We are known for our variety of insurance programs and our customer oriented approach. So, if you belong to areas such as, Menlo Park, Palo Alto, Sunnyvale, Mountain View, Stanford, CA, or Loyola, CA, then you can choose us. 

Here, we have put together a few questions to ask a company offering you insurance policies. Take a look. 

1. Are you an independent insurance company? 

You should always try to opt for an independent insurance agency because they can provide you with multiple carrier options. Owing to this, you can choose from a variety of insurance programs according to your but particular requirements and set budget. 

2. Can you offer free quotes for the premiums? 

Without knowing the rate of premiums, you will not understand if this insurance program is suitable for your budget or not. Getting these estimates will also help you compare it with others so that you can choose the one which is most reasonable. That is why you should ask if you can get free quotes from the company or not. 

So, after getting these answers, if you are interested in our insurance products, contact us today. 

Do you want to purchase a new house? Everyone looks for a new spacious house in a friendly neighborhood with all the convenient amenities for a wonderful state food stop but at the same time, you must not forget that being a homeowner also involves certain kinds of risks and challenges. Since most of these challenges are monitoring in nature, you have to make sure that you get some sort of compensation against such losses. That is why home insurance protection is a must for you. We, at SBC Insurance, can be the right choice for you. We are established in a reliable company which has been in this field for a long time. We can provide you with a wide range of insurance programs, right from home, automobiles, business to even life and health insurance. We are known for our wide variety of insurance programs and are great coverage benefits. So, if you are located in areas like Sunnyvale, Palo Alto, Menlo Park, Stanford, CA, Mountain View, or Loyola, CA, then you must opt for us.

Here, we have put together a few reasons why you should invest in home insurance. Take a look.

• Restoration Expenses

Be it natural disasters like earthquake, flood, or even a fire hazard, you must understand that it can leave your property in severe damage. In order to recover from such damages, you will need to carry out solid restoration program. These can be quite expensive and that is why you need insurance protection.

• Burglary and Thefts

Given the increasing rate of crimes, burglary and thefts are quite common in every neighborhood. It can cause the loss of several valuables, right from cash, jewelry, electronics to furniture and even priceless artworks. You might need a compensation for these losses and homeowners insurance is perfect for that.

So, if you want to choose our insurance products, contact us today.

Are you starting your own business? Or do you want to start one? You should make sure that the business development plans are effective and you have some of the most innovative and interesting marketing strategies. But at the same time, you must understand that the production of your business depends on your employees. That is why you need to take care of them first. You should begin by investing in group health insurance which will take care of that health issues or accidental injuries. This will, in turn, also cut down on your taxes. We, at SBC insurance, can be the right choice for you. We are an established and reliable company which has been in this field for a long time. We can provide you with a wide range of insurance programs, right from home, auto, and business to life and health insurance. We are known for our quality coverage and customer-oriented approach. So, if you belong to areas such as Palo Alto, Mountain View, Stanford, CA, Sunnyvale, Loyola, CA, or Menlo Park, then you must opt for us.

Here, we have put together a few things to look out for while choosing a group health insurance agency. Take a look.

• Experience

You should make sure that the company you are choosing has been in this field for a long time. You should know that experience means credibility and that is why you can rely on the company offering you these kinds of insurance programs. This will save you from any kind of fraudulent activity.

• Reputation

Another thing that you have to keep in mind is the reputation of the company offering you these insurance programs. You have to make sure that the company has received good reviews and feedbacks from their former clients. This will help you understand if the company can provide the right kind of insurance protection you need.

So, if you are interested in choosing our insurance programs, contact us today.

We are all looking for ways to protect ourselves and our belongings at all times. But life can be unpredictable and uncertain so you cannot actually prevent all kinds of losses that one might face in life, especially the ones which are monetary in nature. However, what you can do is get a compensation for such losses. You need to invest in an insurance program for all aspects of life which might pose a risk for your bank balance. We, at SBC insurance, can be the right choice for you. We are an established and reputable company which has been in this business for a long time. We bring you a wide range of insurance programs, right from auto, commercial, and home insurance to life and health insurance programs. We are known for our wide variety of insurance policies and for being an independent insurance agency, which allows you to choose from Multiple carrier options. So, if you belong to areas such as, Mountain View, Menlo Park, Palo Alto, Sunnyvale, Stanford, CA, or Loyola, CA, you can always rely on us. 

Here, we have put together a few ways in which insurance can protect you. Take a look. 

1. Saves Money 

Insurance can always save your hard earned savings which can be used later on in life. All your major losses can be covered using the insurance policy without having to exhaust your savings. This can save your money to a great extent and help you live a comfortable life. 

2. Peace of Mind 

With your major expenses and losses taken care of, you can relax and enjoy a peace of mind. Otherwise, you would be left worrying about the potential losses one has to face in life. Either you would have to spend all your savings or get the money arranged from elsewhere, both of which would be quite stressful for your health. 

So, if you are interested in our insurance policies, then contact us now. 

Do you live in an area which is prone to getting floods? These kinds of natural calamities are highly dangerous as these pose a risk to not just your life but you also your property. You must keep in mind that the restoration cost of any area which is affected by a flood can be huge. If you need a competition against such losses, then you need a good flood insurance protection. We at SBC insurance, can be the right choice for you. We are an established and reliable company which has been in this field for a long time. We bring you a wide variety of insurance programs, right from home, auto, business to life and health insurance programs. We are known for are affordable premiums and customer oriented approach. So, if you belong to areas such as, Sunnyvale, Mountain View, Menlo Park, Palo Alto, Los Altos, or Stanford, CA, then you can opt for us. 

Here, we have put together a few important factors that you must keep in mind while choosing your flood insurance agency. Take a look. 

• Independent Insurance Agency 

First of all, you must make sure that the company you are choosing is an independent one. An independent insurance agency can ensure that you get multiple career options to choose from. This means that you can get a policy according to your needs and budget. 

• Quality Coverage 

Needless to say, you have to focus on the insurance coverage you are getting when you are choosing an insurance company. You should ensure that all the potential losses for a flood damage are effectively covered in this kind of an insurance program. Otherwise, there is no point in this kind of an investment. 

So, if you are thinking of buying our insurance policies, contact us today without any hesitation. 

Do you want to purchase a new house? If you are a homeowner, you should be aware of the several kinds of dangers that you may have to face because of your house. And some of these can be monetary in nature. You will have to arrange for some kind of compensation against these. That is why you have home insurance. We, at SBC Insurance, can be the right choice for you. We are an established and reliable company which has more than 40 years of experience in this field. We can provide you with a wide range of insurance programs, right from home, business, automobiles, to life and health insurance. We are also an independent insurance agency that allows you to choose a policy in accordance with your budget and priorities. We are known for our quality coverage and affordable premiums. So, if you belong to areas such as Sunnyvale, Palo Alto, Menlo Park, Mountain View, Stanford, CA, or Loyola, CA, then you can choose us.

Here, we have put together a few common reasons why you should get home insurance protection. Take a look.

• Restoration Costs

You will be aware that if there is a natural calamity or an act of vandalism that is being carried out, your house could be badly damaged. In order to restore it back to its original condition, you will have to make huge restoration costs. This can be met by your homeowners’ insurance policy.

• Liability Payments

If someone else gets injured on your premises, you should realize that you might be held for their medical treatment. You can be asked to pay liability payments. These kinds of unnecessary payments can be covered by a good insurance policy for your home.

So, if you are interested in choosing us, then contact us today.

Are you looking for new models of a car? Are you tired of your old one and want to invest in another? You must realize that even if you change your car, the risks and challenges associated with your car will remain the same. That is why every time you purchase a new automobile, you should get hold of an insurance policy to get the protection against such losses. We, at SBC Insurance, can be the right choice for your car insurance. We are an established and experienced company that has been in this field since 1971. We can offer you a wide range of insurance programs like life, health, and home to business, and automobiles, which can protect you from many such risks and losses. We are known for our quality coverage and customer-oriented approach. So, if you are from areas like Mountain View, Sunnyvale, Palo Alto, Menlo Park, Los Altos, or Loyola, CA, then you can opt for us.

Here, we have put together a few questions that you must ask a company offering car insurance protection. Take a look.

• Are you an independent insurance company?

Independent Insurance agencies are more beneficial because these can offer you multiple carrier options to choose from. This will help you decide on an insurance program according to your set budget and requirements. That is why you should look for this factor when making a choice.

• Can you offer free quotes for the premiums?

Getting an estimate for the insurance premiums is going to help you understand if this particular policy is going to be feasible for the pockets or not. You can use these quotes to match it with the budget you have in mind or even compare them with others to choose more reasonably.

So, if you are interested in choosing our insurance products, then you must contact us now.

Are you wondering how to deal with all kinds of unanticipated losses and risks? Even if you have sufficient savings, it is true that you cannot pay for everything using these savings and it is certainly not wise to do so. You might have to pay huge restoration costs for your damaged house or need to pay for the repair costs of your automobile. Moreover, if unfortunately you are no more, your family might have to deal with a huge financial crisis. You might have to also make liability payments if someone is injured in your premises or by your automobile. All such sudden expenses need some sort of compensation and it can be provided by insurance. We, at SBC Insurance, can be the right choice for you. We are a reliable and renowned company known for a variety of insurance, right from home, auto, business to life and health insurance coverage. So, if you are located in areas such as Mountain View, Menlo Park, Palo Alto, Sunnyvale, Stanford, CA, or Loyola, CA, then you can opt for us.  

Here, we have put together a few things to check before choosing any insurance policy. Take a look.  

• Coverage 

You have to make sure that whatever insurance you are buying, it should meet the potential losses you are likely to incur. Otherwise, there is no point in making this purchase. Checking the coverage will ensure you are reaping benefits from this policy. 

• Premiums 

Another thing that you have to check before choosing your insurance policy is the rate of premiums. Since you have to pay for it, you need to ensure if it is affordable for you or not. You must take quotes in advance and compare it with others to find the most reasonable solution for you. 

So, if you are interested in our insurance products, then contact us today. 

Do you love in an area which is prone to floods? Floods are dangerous and can cause a havoc on your property along with taking your life. Even if you maintain the safety protocols and save yourself, what about your house and belongings? It is a huge loss and even the restoration will cost you a lot. That is why you have to make sure that you take the flood insurance protection to cover such expenses. We, at SBC Insurance, can be the right choice for you. We are an established and experienced company which has been in this field for over 40 years. We bring you a wide range of insurance programs, right from home, business, automobiles, to flood, life, and health insurance. We are known for our great coverage and personalized customer services. With our variety of programs under one roof and quality coverage, we have become one of the preferred companies for insurance requirements. So, if you belong to areas such as Sunnyvale, Mountain View, Palo Alto, Menlo Park, Stanford, CA, or Los Altos, then you can opt for us.  

Here we have put together a few questions to ask your flood insurance company. Take a look. 

• What kind of coverage do you offer? 

You need to be sure about the benefits you can get from the insurance. That is why you must ask about the coverage details of their policy before choosing the company. This will ensure you have complete protection. 

• How much premiums do you charge? 

You should understand that budget plays a key role when you are choosing insurance policies because you have to pay for the premiums. It is important to check the rates in advance and then match it with your budget. 

So, if you are thinking of choosing us, then contact us now.  

While you are looking for the perfect insurance coverage for your vehicle, have you ever wondered why the rates are so high in some agencies? Let our agents at SBC Insurance Agency guide you through the various factors depending on which the rates of your car insurance vary. Automotive insurance is a field that we excel in from basic personal auto coverage to extensive family Auto coverage and even high net worth and classic car collectors. Our agents have the expertise and the knowledge to assess the risk of our clients and accordingly look for policies that will suit all their requirements. With SBC Insurance Agency you will get the best combination of cost and coverage.

Below we have mentioned the 2 important factors that will affect your car insurance rates. Take a look.

• Driving record

As a driver how safely you drive a car plays a very crucial role in determining your insurance rate. Having a clean record will not only get you better rates but will also qualify you for a good driver discount. Whereas, a major violation or a rocky history can lead to an increase in your premium rates. Even something as minor as a speeding ticket can hamper your record; it might not substantially increase your rate but you will lose out on the discount.

• Use of the vehicle

How you use your car also affects the rate of your premiums. If a car is seldom taken out for a ride, it will fetch low rates, but if a car is used daily for school or office commute purposes then it faces greater risks of damage; this raises the insurance rate. Also, a car used for business purposes will be charged more than those used for personal purposes.

So, if you live in the regions of Mountain View, Sunnyvale, Menlo Park, Palo Alto, Loyola, CA, Stanford, CA, and you want car insurance, you can contact us.

Do you own a boat? Are you aware of the insurance and coverage options needed by your boat?  At SBC Insurance Services, we offer boat insurance amongst various other auto insurance options.  Being a premier insurance agency, we have formed connections with various insurance carriers over the years. This not only helps us meet your personal and business insurance needs but also helps us in providing our clients with tailored policies. Whether it is a classic car or a high-end automotive market, our agents always come up with exceptional coverage for the high net worth vehicle owner. We are proud to serve the people of Mountain View, Menlo Park, Palo Alto, Stanford, CA, Loyola, CA, and Sunnyvale.

Below we have mentioned a few principal things to know before buying boat insurance. Take a look.

• It can be purchased for an agreed value

When you buy a policy for any other vehicle, you get the insurance depending on the current market value of the vehicle at that time. Whereas, in boat insurance, you can get the insurance at a predetermined value irrespective of the market price or the depreciation of the boat.

• It can be suspended

A very distinctive feature of boat insurance is that it is valid as long as the boat is in the waters. Once you take the boat out of the water the policy gets suspended. Though it is a great way to save those extra pennies, putting the boat again in the waters while the insurance is put on hold can create problems.

• It is not always compulsory

While with cars you own it you have to have insurance but in the cases of boats getting insurance is not necessarily compulsory. This in no way means that you won’t be legally responsible for what happens in and to your boat due to lack of insurance cover.

So, if you are planning on taking boat insurance, you can get in touch with us on 877-329-1150.

Life can sometimes throw some of the most dangerous challenges at you. In such trying times, along with keep yourself strong mentally, you should also prepare yourself to battle your financial crises. You need to ensure that you have a compensation ready if you ever face any loss monetarily. One of the most suitable options for you would be insurance. It covers risks from different aspects of life and ensure you get a good coverage from all the potential losses. We, at SBC Insurance Services, Inc., can be the right choice for you. We are an established and experienced company which offers you a high-quality insurance coverage for various things, including home, business, life, health, and even automobiles. We are also an independent insurance agency which means you can get multiple carrier options and choose according to your interests and budget. So, if you are from areas such as Menlo Park, Mountain View, Sunnyvale, Palo Alto, Stanford, CA, or Loyola, CA, then you can rely on us for your insurance needs. 

Here, we have put together a few smart insurance programs that you should always invest in. Take a look. 

Life Insurance 

It is important to take care of your loved ones financially not just during your life but after it too. Cover their daily household needs, emergency expenses, and the cost of their future goals with a good life insurance policy.  

1. Health Insurance 

Health is wealth. But in order to take care of your health with expensive medical procedures and medicines, you might be losing on a lot of savings. Protect your savings with the help of a good health insurance coverage. 

2. Home Insurance 

Home is one of the most important assets you own but you might also face burglaries at home where your expensive belongings might be destroyed or stolen; or you might experience a natural disaster for which you have to spend a lot on the restorations. Get home insurance to deal with all these kinds of expenses. 

And if you are interested in getting these policies from us, then contact us today. 

Do you run a commercial business of your own or are thinking of starting one? You must realize that this is a job of great responsibility. You not just have to think about your business development and brand marketing but the employees working under you are also your responsibility. You must take care of them so that they are happy working for you and can work with much greater productivity. Or else, you might lose some really brilliant minds who could have taken your business to greater heights of success. Since health is a primary concern for everyone, you should begin taking care of them with a group health insurance. And this will also have further tax benefits for you as an employer. We, at SBC Insurance Services, Inc., can be the right choice for you. We are an established and experienced company which offers you a number of insurance programs, including home, automobiles, business, and life and health insurance too. We are known for quality coverage and customer-oriented approach. So, if you are based in areas like Stanford, CA, Mountain View, Menlo Park, Sunnyvale, Los Altos, or Palo Alto, then you can rely on us. 

Here, we have put together a few important factors to keep in mind while choosing your group health insurance policy. Take a look. 

1. Coverage Benefits 

You are investing in this insurance for your employees. You should pay attention to the sort of benefits this coverage program is offering. Make sure it is beneficial in real and will help your employees.  

2. Premium Rates 

Another thing that you have to know is the rate of premiums offered by the company. You need to know if it is suitable for the budget you have in mind. After all, there are other business expenses which you will have to take care of. 

So, if you are interested in our insurance products, then contact us today. 

Do you own a motorcycle or are thinking of purchasing one? Well, whatever vehicle that you want to buy, you must be prepared to pay for the losses you will face because of your personal automobiles. All these losses are monetary in nature and require you to seek compensation if you want to save your pockets. Getting motorcycle insurance can provide you with the right kind of protection against such losses and compensate for the losses you are likely to get. We, at SBC Insurance Services, Inc., can be the right choice for you. We are an experienced and established company with a wide range of insurance programs. Starting with life, health, to flood, and all kinds of automobiles, we cover you for everything. We are known for our quality coverage programs and customer-oriented approach. We understand that everyone might not have the same budget for the insurance programs and that is why we have priced our policies quite reasonably. So, if you are from areas like Sunnyvale, Palo Alto, Los Altos, Mountain View, Stanford CA, or Menlo Park, then you can rely on us.

Here, we have put together a few reasons why motorcycle insurance is necessary. Take a look.

• Damage Repair Expenses

Motorcycle parts might also suffer wear and tear over prolonged usage and can require parts repair or replacement. All these expenses are quite high and can be covered easily when you have motorcycle insurance. That is why having this insurance policy is crucial.

• Expenses out of Accidents

Accidents are common and might not just damage the motorcycle but also you who were riding it or anyone else on the road. Along with inflicting injuries on you, it can also subject you to liability payments for inflicting injury on others on your motorcycle or on the road. Such medical treatments for you or these liability payments can be met with insurance.

So, if you are interested in choosing our insurance products, then contact us today.                                                                                                                                                                                                                                                                          

Do you want to own a car with all the latest features? Well, before you embark on this thrilling adventure with your car, you should be aware of certain facts. Your car might collide with another vehicle on the road for which you might suffer from auto body damage requiring you to hire damage repair services and might even inflict injuries on you or someone else for which you will need to make expenses like medical treatments and liability payments. Moreover, even if your car is alright at present, after a few years, it will show signs of damage for which you will have to repair the car parts or get them replaced, both of which are going to expensive options. But these facts do not mean you stop purchasing the car. You should just invest in a quality car insurance program. We, at SBC Insurance Services, Inc., can be the right choice for you. We are an experienced company with a range of insurance programs like automobiles, health, flood, or home insurance. So, if you need such auto insurance in areas like Mountain View, Palo Alto, Sunnyvale, Menlo Park, Stanford CA, or Los Altos, you can opt for us.

Here, we have enlisted a few essentials to check about your car insurance policy. Take a look.

• Coverage

First of all, you should check if the coverage details of the policies being offered are enough for you. Make sure it covers all the potential risks you could face because of your car. Or else, it makes no sense to invest in such programs with your hard-earned money.

• Premiums

Next, you must keep an eye on the rate of premiums for the policies. You cannot spend all your savings on this. Take quotes in advance to compare them with the others and choose the one which suits your budget most appropriately.

So, if you are thinking of choosing us, then contact us today.

Getting yourself an insurance plan can be an overwhelming decision. There are so many available in the market, you would want to be sure you bought the right one. Let us, at SBC Insurance Services, help you out in picking the right life insurance policy for you. Being in this business since 1971, we have the skill and the expertise to represent clients even in the most complex situations. As humans, we are trained to adapt to our changing lifestyles, at SBC we have modified our insurance policy as per the changing market demands. Over the years, we have made quite a name for ourselves in providing group health benefits. After understanding what the customer’s needs are, our team will put together a tailored coverage addressing all your requirements and that too at affordable rates.  

Below we have mentioned a few significant things to keep in mind while buying life insurance. Take a look. 

1. Get adequate insurance cover 

This is a very critical decision; hence you should consider all aspects before finalizing the amount and not just pick a random sum. You need enough to cover all your liabilities and expenses, bearing in mind the inflation rate; anything more than that means higher premiums too.  

2. Always add a nominee name 

A nominee is a person to whom the sum assured will be passed on to if anything happens to you. You can name your wife or your children but always give a nominee who you want to get the benefit of this policy.  

3. Disclose all information correctly 

Never hide any detail which can be crucial to your health insurance policy from your insurer. If found out later, it might result in a breach of contract and your claim can get rejected. Inform about your health issues, current or past correctly and check it before submitting it to the company. 

So, if you reside in the regions of Palo Alto, Sunnyvale, Mountain View, Stanford CA, Menlo Park, Los Altos and you are looking for life insurance, contact us.  

Many times it is pure ignorance that people do not have a policy to protect their family, house, or even vehicle. Apart from helping you in desperate times, these insurance policies are great investments. SBC Insurance Services, Inc. is known to be an independent insurance agency that caters to individuals as well as business houses alike. Our team is committed and dedicated to bring to you the best customized policies which are just for you. For over 30 years now, we have been building our network of superior national insurance carriers. This helps us in exceeding our clients’ expectations every time and excel at our personal and commercial services. We try and develop a unique relationship with every customer from Menlo Park, Stanford CA, Sunnyvale, Mountain View, Palo Alto, and Loyola CA in order to be able to provide you with what you need. 

Below we have mentioned 3 common types of insurance policies we have to offer. Take a look.  

• Personal Insurance 

This includes home insurances along with some additional coverage options. Along with primary and secondary houses, we also cover rental properties, owner-occupied condominiums, and townhouses. And, for the valuable items like jewelry and artwork, we offer additional coverage. 

• Auto Insurance 

Our car insurance has you covered on the personal and the family front. Apart from your daily vehicles, we even have a few policies for classic car collectors. Having knowledge of the automobile market, we have come up with a wide range of auto insurance policies. 

• Commercial Insurance 

Since we have a lot of business clients, our commercial insurance has industry-specific coverages. We know exactly what the small businesses as well as the sophisticated companies need. Our policies provide general liability protection and help these businesses from unanticipated loss. 

So, if you want to buy insurance for yourself or your family, you can give us a call on 650 469-0400. 

A natural calamity can be dangerous. It can spread an immense amount of destruction. In fact, all your properties and assets are in danger can be damaged. If you live in a flood-prone area, you should ensure that your property is protected from all sorts of losses you could face due to a flood. What you need in this scenario is a good flood insurance program. We, at SBC Insurance Services, can be the right choice for you. We are an experienced and reliable company which brings you a wide variety of insurance programs for your home, automobiles, and even life and health. We are known for providing coverage that covers all the major risks and challenges that you could face because of a flood emergency. And we understand that not everyone will have the same budget so we offer quite reasonable insurance premium rates for all our clients. So, if you are based in areas such as Mountain View, Menlo Park, Sunnyvale, Palo Alto, Los Altos, or Stanford CA, then you can always rely on us for your insurance needs.

Here, we have put together a few important questions to ask before choosing a particular flood insurance program. Take a look.

• What kinds of coverage do you offer?

You should ensure that the policy you are choosing to compensate for the losses faced during a flood covers all the potential losses. You should ask about the coverage details and check if the major damages are met by this insurance coverage.

• Do you offer free quotes for the flood insurance program?

If you can get free estimates for the flood insurance, it will help you decide on the budget and see if it is suitable or not. You may also want to compare it with the others and check if this is the cheapest rate that you can get.

So, if you are thinking of choosing our insurance policy, then contact us today.

Do you plan to invest in a new car? A personal vehicle is always an advantage. You will be able to go anywhere at any time without depending on public transport. But at the same time, you must realize that there are various kinds of risks and challenges that you might face because of your personal automobiles, including monetary losses. The impact of these monetary losses could be compensated if you have a quality car insurance coverage. We, at SBC Insurance Services, can be the right choice for you. We are an experienced and reputable company that is offering high-quality coverage options for your commercial business, life, and health, home as well as your automobiles. We are known for our variety of coverage options under one roof and an affordable rate of premiums. So, if you belong to areas such as Menlo Park, Sunnyvale, Palo Alto, Mountain View, Stanford CA, or Los Altos, then you choose us for your auto insurance protection.

Here, we have put together a few major benefits you should be able to enjoy if you have a quality car insurance policy. Take a look.

• Auto Body Damage Repairs

You are likely to face damage repairs in your car if the car has been in the market for quite some time. These repairs are quite expensive and might be covered only if you have auto insurance. You should invest in auto insurance.

• Liability Coverage

You might have to pay liability payments if someone else is injured in your car or because of your car. Their medical treatment payments have to be paid by you. Instead of paying such redundant expenses, you should choose a good car insurance policy to cover these.

So, if you think we can provide you with the right insurance products for your car, then you can get in touch with us now.

Are you planning to buy an insurance policy for your life and health? You should choose a company on whom you can place your trust. SBC Insurance Services, Inc. is a dedicated agency selling reliable life insurance in California and other western states. Being a well-known agency, we have a professional account manager who matches our clients with the best customized policy option available in the market. Our agents have the right skills and understandings to explain the complex and difficult clauses of health insurance to our clients. It is our duty to help families to enjoy the best options to stay healthy. At SBC Insurance Services, our focus has always been to provide group health benefits for businesses and individual benefits for families. In group benefits, for the business houses in Sunnyvale, Palo Alto, Stanford CA, Mountain View, Menlo Park, Los Altos we discuss the employee demography, the cost of coverage, and the extent of coverage so that we can to justice to your employees. 

Below we have mentioned 2 common types of life insurance available. Take a look. 

• Term Life Insurance 

This is the cheapest policy to be paid on a yearly basis. Term policy provides coverage for a pre-defined period of time, generally 10 to 30 years. Though it’s cheap and offers good coverage, this does not offer cash value for the policyholder if you outlive the term of the policy. So, you should not consider this option if you are looking for investing purposes. At some point, the term life insurance can even be converted into a whole life policy depending on certain conditions. 

• Whole Life Insurance 

This is the most common type; not only does this provide cash benefits to your beneficiaries upon your death, but it also provides cash value during the life of the policy. The premium paid by you is submitted to the cash-value account which then grows on a tax-deferred basis. The policy holder has the liberty to withdraw the cash value as and when it accrues and use it as per his wishes. 

So, if you want a trustworthy insurance company, you can get in touch with us. 

Life is full of surprises. In no way can you prevent big changes, good or bad, from happening. At most, you can safeguard yourself from external threats by taking insurance. At SBC Insurance we have policies for homeowners and business owners alike. From home insurance, auto insurance, business insurance, and life insurance we have it all.  We, being an independent agency can come up with tailored policies for you due to our variety of connections with some leading insurance carriers. After talking to you, our agents will get an idea of what do you want exactly and your budget and accordingly provide you with quality insurance coverage. This will not only save you time and money but you will also get the type of coverage that suits your requirements. The people of Mountain View, Stanford CA, Sunnyvale, Palo Alto, Menlo Park, and Loyola CA can vouch for our use of advanced up-to-date technology to come up with policies that will keep you protected from all angles. 

Below we have mentioned 3 crucial tips to find the right insurance coverage for yourself. Take a look. 

1. Shop Around 

There are innumerable insurance companies out there each selling a wide variety of policies with different coverage options. Before finalizing any one policy, it’s better to consider all your options, talk to an insurance broker who represents multiple companies. 

1. Buy several policies under one insurance carrier 

If you want to insure multiple vehicles or plan to get multiple business-coverage, then you should opt for an insurance agency who offers multiple products. Bundling these policies might get you multi-policy discounts or loyalty points. 

1. Take steps to minimize risks 

Managing your risks properly can help you stay protected. It’s a wise decision to conduct regular maintenance checks which in turn will let you stay ahead of the risks in your day-to-day operations. 

So, if you want a free quote or have any other query, you can call us at 650 469-0400. 

Are you thinking of purchasing a policy for the protection of your bike? Are you looking for one that has aspects that will satisfy your requirements? Look no further than us, at SBC Insurance Services, for all-encompassing motorcycle insurance policies. We understand that different bikes have different features that need to be covered by the policy. We, thus, make it a point to check the make, year of manufacturing, and the model of your vehicle before suggesting policies and premium amounts to you. Our employees are dedicated to their work and make sure that all our customers get exactly what they want. It is with the complete dedication that we serve customers in and around the areas of Sunnyvale, Palo Alto, Loyola CA, Mountain View, Stanford CA, and Menlo Park.

Here, we have made a list of 3 vital features that a policy must have in order to be qualified as good or satisfactory. Take a look.

• Transparency in Paperwork

The papers that you have to sign to start the policy coverage often have clauses that are not apparent or clear. This creates ambiguity and results in the claim being rejected by the agency. A good policy will have clarity in the paperwork for the advantage of the beneficiary.

• Easily Understandable by Laymen

Technical jargon is not often understood by the layman. So, the terms that are used in the body of the policy should be such that people understand the terms and conditions well before signing anything. This is a must for a good policy as it will help the policy-holder.

• Availability of Cashless Facility

A good policy will seek to reduce the risk of carrying physical cash to hospitals and vehicle repair centers. It will, thus, extend the cashless facility to all holders for easy payment and reimbursement of claims.

So, if you are looking for a policy that has these features then you should give us a call at 650-469-0400, without any further delay.

If you are thinking that there is little that anyone can do to protect his or her vehicle once it is out on the road, then what you need to know is how to buy the right car insurance policy. We, at SBC Insurance Services, not only help you do this but also provide you with an adequate range to choose from. Our agents conduct extensive visits and do adequate research when coming up with the perfect combination of coverage and premium. We believe that a balance should exist between these two very important aspects so that the customers can afford our policies without burning a hole in their pocket. Our passion for our service and to get our customers the product they demand has allowed us to serve customers living in and around the areas of Sunnyvale, Palo Alto, Mountain View, Menlo Park, Los Altos, and Stanford CA since 1971.

Here, we have put together a few ways in which you can choose the right policy for the protection of your vehicle. Take a look.

• Type of Vehicle You Own

The requirements of a truck will not the same as that of a sedan. Similarly, the protection needs of a commercial vehicle might be more extensive than that of a private one. Thus, the policy you choose should serve to protect the specific model that you own, thereby allowing you to have a good relationship with the company that is providing you with the policy.

• Availability of Appropriate Customization

If the company does not have a policy that covers your variety of vehicle, make sure that it can be modified to fit your needs and cover the particular automobile that you have at no extra cost. This will go a long way in helping you should you need to file a claim for monetary reimbursement.

So, if you want to follow the ways mentioned above to purchase a policy then get in touch with us as soon as possible.

As a business owner, you want to keep your employees happy and retain them for as long as possible. In order to boost productivity, you need to keep your employees motivated and happy. One such thing you can do to boost performance is to provide them with a life insurance plan. This is one of the most preferred tools for employee retention as many people don’t tend to buy life insurance for themselves, but rather depend on their employers for it. You can attach these policies to your job positions in order to attract more talent. 

At SBC Insurance Services, we provide you with a number of life insurance products best suited for employers. The two most popular insurance options for businesses are group life insurance and key man life insurance. By taking into account several factors of your company, we promise to provide you with the best options available. We provide our services to Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale. If you are from these areas, be sure to contact us today. 

Here are some more reasons why you should get life insurance for your business: 

1. Attain and retain employees 

In today’s job market, there is rising competition among employees to attract as well as retain the best talent. There are many companies that offer numerous policies and benefits to serve as a differentiator from other companies. Having a life insurance plan for your employees is one of the biggest investments you can make to attain and retain talent. 

1. Increase productivity 

Many studies have shown that employees work better when they are emotionally and financially healthy. Stress can lower the morale of employees and reduce productivity or even make them quit. A good life insurance plan can improve the well-being of your employees. 

So, if you are interested in our services, contact us today. 

As a business owner, you are also responsible for the well-being of your employees. If your employees are healthy then they are happy to work, thereby making them more productive. A health insurance plan for all your employees is one of the best investments you can make for your business. It is a simple but one of the most effective steps to boost morale, increase productivity and help shape a positive company culture. 

At SBC Insurance Services, we specialize in providing group health benefits for businesses. We take into account factors such as the number of employees, demographics, costs, extend of coverage and more to make sure that we provide the most extensive policy for you. Our team of professionals have the right skills and experience to help you all through the way to help you get the best deal. We provide our services to Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale. If you are from any of these areas, be sure to contact us today. 

Here are some more reasons why employee health insurance is good for your business: 

1. Boosts productivity 

Healthy employees are more productive and able to achieve much more in their time at work. There are some options for preventive medical solutions that can help your staff be aware and stay healthy. The health benefits can also extend to dependents and family to relieve their stress. 

1. Attracts talent 

Health insurance not just retain but also help in attracting new talent. Many studies show that employees prefer health insurance over vacation and pension plans. As more and more companies are competing for the best talent, if your competitors offer better health insurance then there are chances that you lose your potential employees to them. 

So, if you are interested in our services, contact us today. 

A home is a safe place for you to relax and make lasting memories with your family and friends. It is also one of the biggest investments you can make in your lifetime. Many people nowadays are safeguarding their homes with home insurance. However, not many people look into the details of their policy and are unsure of what it covers and what it does not. This leads to a number of financial losses in the event of natural disasters and other tragic events.

At SBC Insurance Services, we strive to treat everyone with the same respect, whether you have an average net worth household or a high net worth household. Our policies can cover both your primary and secondary homes, rental properties up to 4 units and owner-occupied condos or townhouses. We provide our services to Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale. If you are from any of these areas, be sure to contact us today.

Here are some more reasons why you need home insurance:

• It protects your home and other property

In the event of damage or destruction to your home due to natural or man-made disasters, your policy can help pay for repair and replacement of your home, thereby saving you money in the unfortunate event of any unplanned circumstances. Some policies also cover additional living expense coverage which will help pay for temporary living costs while your property is being repaired.

• Protection from liabilities

A home insurance policy protects more than just your home, it protects you in the event of a lawsuit by a third party due to injury on your property. For instance, if a neighbor gets hurt when they accidentally slip on your deck, you could be held legally responsible. Your insurance policy can also help pay for the medical bills, legal fees, and even lost wages.

So, if you are interested in our services, contact us today.

If you have a car, chances are that you already have car insurance. Most drivers get car insurance only because it is required by law for them to do so. But this doesn’t mean that you should get car insurance with only the minimum required coverage. There are a number of car insurance options available and it can be confusing to choose the one which would best suit your needs. If you can’t figure out the best option on your own, it is important to find an agency that will help you get the best car insurance options.

At SBC Insurance Services, we have been in this business for years serving thousands of satisfied customers. Whether it is just basic personal coverage of full family auto coverage, we provide all our clients with a variety of choices based on the current knowledge of the automotive markets. We provide our services to Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale. If you are from any of these areas, be sure to contact us today.

Here are some more reasons why car insurance is important;

• Protect yourself and others

The right car insurance will protect you and your family members, other passengers and drivers. In the unfortunate event of an accident, you would need to have the right coverage for your property or bodily injury costs that may arise. Protect yourself and others around you before you get stuck with such unfortunate events.

• Health insurance supplement

Car insurance will also be able to help pay for your medical expenses that your normal health insurance won’t cover. In the case of a car accident, a good insurance policy will also cover expenses such as dental work or other medical treatments.

So, if you are interested in our services, contact us today.

Are you constantly worried about what will happen to your family if you have a fatal mishap? Are you thinking of ways to safeguard your family’s future? Worry not, for we, at SBC Insurance Services, offer you an easy solution. All you have to do is invest in a cogent and comprehensive life insurance policy. Our policies are divided into various categories, depending on various determining factors. This approach to the calculation of the premium and to the settlements done has made us one of the most sought-after firms in the industry. Our services date back all the way to 1971, when our founders first started this endeavor to help people feel safe. Ever since our foundation, we have been serving customers with complete dedication and loyalty in and around the areas of Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, and Sunnyvale. 

Here, we have made a list of 3 points to check in a policy that safeguards a human being’s existence. Take a look. 

• Type of Policy  

Make sure to find out if the policy has a maturity date or will produce any kind of returns during your lifetime. There are many such term policies that give you returns even during the course of your existence. Be clear about your requirements with the agent. 

• Premium to be Paid  

The premium amount should be calculated with reference to various factors like age, diseases, societal conditions, and income opportunities. Thus, you need to be clear about all of these factors with your agent. Clarity is the one point that will keep your premium amounts within a payable range. 

• Convenience of the Policy  

Check if medical tests are required to buy a policy, as is often required by various agencies. These conditions will increase your inconvenience and your expenses. So you need to find out if such conditions are mandatory. 

So, if you feel you need such a policy, call us at 650-469-0400, without any delay. 

Given the uncertainty of our times, trying to find assurance of any kind is a difficult task. However, insurance policies aim to make the task easier for you. If you have invested in a policy, you will have higher chances of leading a hassle-free life. We, at SBC Insurance Services, bring to you a wide variety of choices to cover all aspects of your well-being. We understand the importance of these aspects and have formulated our policies accordingly. We believe in catering to the needs of all people from all sections of the society. For this purpose, we have kept our premium amounts variable. We take into account your income, the income of your family, your age, any diseases or disabilities that you may have, and other such decisive factors to come to an amount. We are one of the most trusted upon firms in the areas of Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, and Sunnyvale. 

Here, we have put together 4 types of policies that you can opt for in a bid to lead a safer life. Take a look. 

• Health Policy  

An important aspect to invest in is a health policy that aims to provide you with momentary support when you need assistance during treatment. 

• Personal Policy  

There are many personal items that you possess that may need safeguards. For this purpose, you could get a policy for those particular items. 

• Automobile Policy  

If you own a vehicle of any sort, you can choose to buy an automobile coverage policy to assist you monetarily and to give the drivers and passengers a guarantee for their lives. 

• Business Policy  

If you have a business of your own, you can invest in a policy that will help you in troubled times. It is especially useful for businesses that have a higher risk factor. 

So, if you are looking for a policy of any kind, get in touch with us without any delay. 

With so many different kinds of home insurance policies available in the market, it is obvious that choosing the right coverage for your homes is indeed a challenging endeavor. You basically need to choose the insurance that will cover all the common risks and losses you are likely to incur for your home. You can consider employing the well-renowned services of SBC Insurance Services, a dedicated independent insurance agency servicing clients in California for getting a good home insurance policy. We are an experienced and reputed company known for our wide variety of insurance programs. With our quality coverage and low premiums, we have become a popular choice among many people with insurance needs. So, if you are from areas such as Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, or Sunnyvale in California, and need a home insurance coverage, you can depend on us.

Here, we have put together a few major issues that need to be covered by your home insurance. Take a look.

• Natural Disaster Damage

If you live in an area that is prone to a storm or flood, you will face damage every year. The restoration costs for such damages will be huge. That is why it is important that you get these covered by a good insurance program.

• Liability Payments

You should know that if someone else gets injured on your premises, he or she might hold you responsible for their medical treatments. Such unnecessary expenses can be met with a good home insurance coverage.

• Burglary or Theft

All your belongings could also be stolen or damaged in your house by burglars or thieves. You can get compensation for the value of your lost or stolen goods if you have insurance.

So, if you want to opt for these benefits from home insurance, contact us, at SBC Insurance Services now.

Are you willing to spend on a new car again? But in such a scenario, you have to make sure that you keep all the other expenses in mind that comes with a car but is incurred after a few years. A car is likely to break down in the middle of the road due to prolonged wear and tear, leading to repair costs or if you face an accident, along with these damage repair expenses, you might have medical expenses and liability payments. Only good car insurance can save you from such expenses.  In this regard, you would be right to hire the services of SBC Insurance Services, a dedicated independent insurance agency servicing clients in the western USA. Equipped with close to 50 years of experience in a wide swathe of insurance advisory, the firm has developed a superior network that lets it work with some of the leading national carriers. In additional to traditional policies, the firm’s key USP lies in its customer-centricity coupled with its ability to design bespoke policy solutions for its users.

Here, we have enlisted a few major tips that will help you choose an optimal car insurance policy. Take a look.

• Go for a Good Coverage

Before choosing the insurance, you have to check the coverage of the policies and see if it can cover the common risks and challenges you would face as a car owner.

• Compare the Premium Rates

You should check rates with other carriers on an annual (if not semi-annual) basis to ensure that you are getting the best deal. Given the wide range of insurance comparison tools available in the market, it would be prudent to leverage such tools to perform a deep-dive study.

So, if you are located in Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, or Sunnyvale in California and are looking for car insurance, you can rely on us.

Are you thinking of the various kinds of risks that you have to face in life? Most of these challenges are financially damaging. So, it is essential that you have to understand how to compensate for all the losses that you will have to incur in terms of finances. You should look for different types of insurance programs that will protect you from such losses. We, at SBC Insurance Services, Inc., can be the right choice for you. We are a reliable and reputed company that offers you a wide variety of insurance programs. Right from home, automobiles, to business, floods, life, and health insurance, we can help you with all kinds of policies. We are also an independent insurance company that can provide you with multiple options to choose from according to your budget and needs. With our quality coverage options and dedicated services, we have become a reliable choice for you. So, if you want to opt for a good insurance policy in Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale, you can trust us.

Here, we have put together a few common insurance policies that you will need in life. Take a look.

• Life Insurance

One of the most important areas where you need financial support is for your family after your death. You will be able to cover the daily household needs, provide for the emergencies, and take care of the future aspirations of your loved ones with a life insurance policy.

• Health Insurance

One of the most crucial matters which cover the largest part of our overall expenses is healthcare. Right from medicines to medical treatments, everything has become immensely expensive. If you have good health insurance coverage, you will be able to protect yourself from such losses.

So, after knowing about these policies, if you feel that we can be a good option for your insurance needs, then contact us today.

Do you have a personal vehicle of your own? There are several kinds of conveniences that you will be able to get when you have a personal vehicle. Right from a car to even a boat, all automobiles are useful. But just like these are useful, all kinds of automobiles also come up with the same kinds of risks too. You have to protect your automobiles from such losses that it can be exposed to. Right from natural calamities, accidents, sudden breakdowns, and liability payments, there are various ways in which your automobiles can cause a huge loss. So, even if you have a boat, you can face the same risks. What you need to do is opt for a good boat insurance policy. We, at SBC Insurance Services, can be the right choice for you. We are an experienced and established auto insurance company which can offer you high-quality insurance programs, right from home, auto, to even life and health insurance. We are known for our quality coverage and affordable premiums. So, if you belong to areas like Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA, or Sunnyvale, then you can resort to us.

Here, we have put together a few major questions to ask every boat insurance company. Take a look.

• What kinds of coverage options do you provide?

First of all, you need to ask the company about the kinds of coverage options they offer for the boat insurance policy. You need to know if all the risks that you have are effectively covered by the policy or not.

• How many premiums will be needed for boat insurance?

Next, you have to make sure that the insurance coverage that you are purchasing suits your budget. You must ask the company to provide you with an advance quote so that you can understand if you can afford the policy or not.

So, after getting the answers to these questions, then you can contact us today.

Do you want to save yourself from all kinds of threats? Even if you prevent all kinds of dangers hurled at you, will you be able to evade death? Nobody can escape death and the people who get punished for this is not just you who has to leave everyone but also your loved ones who are left alone. However, to be practical, along with the emotional loss, they will also have to bear a huge financial loss because of your absence. In order to fill the gaps, they will have to experience a lot of hardships. If you want to save them from any kind of economic crisis, you should opt for life insurance coverage. This will protect your loved ones after your death. We, at SBC Insurance, can help. We are one of the most experienced and reliable companies which can offer you all kinds of insurance programs, right from your home to business and even auto insurance. We have a variety of life insurance programs that will be your savior. With our quality programs and low premiums, we have become a reliable choice for several people in areas like Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA, and Sunnyvale.

Here, we have enlisted a few questions that you might have about the company offering you life insurance policies. Take a look.

• Are you an independent insurance firm?

You must make sure that the company you are choosing to get your life insurance is an independent one because then you will get a lot of carrier options to choose from according to your requirements and budget. So, ask about this to the company.

• Do you offer free quotes for the insurances?

You have to decide on the budget for the insurance and make sure that you stick to it. So, ask the company if you can get quotes in advance for the premiums and check if this is the lowest that you are getting.

After asking such questions, if you are interested in choosing us, then contact us today.

Do you have a car of your own? Then, you must be excited about those thrilling drives you must be experiencing. But you must understand that there are several kinds of risks or challenges too that you will have to encounter along with these thrilling drives. You need to seek protection for the losses incurred due to the car that you have. We, at SBC Insurance Services, Inc., can be the right choice for you. We are an experienced and reliable company that provides you with high-quality insurance coverage for your car. You will be able to get compensation for all the threats you will be exposed to as a car owner. We are a leading company with professional experts who understand the sort of protection you need and help you select beneficial coverage. With our comprehensive policies, low premiums, and committed services that always keep the customers’ interests first, we have become a preferred insurance agency in areas like Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, and Sunnyvale. So, if you are looking for a car insurance policy, then you can resort to us.

Here, we have put together a few common reasons why you need a good car insurance policy. Take a look.

• Sudden Breakdowns

After a prolonged period of wear and tear, your car is likely to break down easily. That is why it is possible that you will have to bear huge costs for the damage repairs or auto parts replacement.

• Accidents

Accidents on the road are extremely common which might not only damage your car but also inflict injuries for you that incur a high medical bill as well. Apart from that, if someone else was in the car, you will also have to make liability payments.

All these could be prevented if you have good car insurance coverage. So, if you want to opt for our policies, get in touch with us now.

Do you run a business of your own? Then, you must want to make your business see newer heights of success. And do you know how to do it? You have to offer high-quality products and services. But in order to make sure that becomes true, you have to invest in good resources. This is the reason why you have to take care of your employees. Make sure they feel protected while working for you. One of the major ways you can do so is by providing group health insurance to them. If you take care of the health of your employees, they will be more productive and give a better output. We, at SBC Insurance Services, can help. We are an experienced and reputed company which can offer you various kinds of insurance policies, including life, health, home, auto, or business insurance. We are known for our quality and comprehensive insurance policies and affordable premiums. So, if you want to provide health benefits to your employees in areas like Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, or Sunnyvale, then get in touch with us today. 

Here, we have put together a few essential things to check about a company offering you health insurance policies for your employees. Take a look. 

• Coverage Options 

You have to check the sort of coverage you will be getting for your employees. You should make sure that all the major risks and problems that your employees are likely to face are all covered in this insurance policy. So, look for a company with great coverage options. 

• Independent Insurance Agency 

Next, you should look for an independent insurance agency. This way you can get more carrier options so that you can find a policy that suits your budget and also meets your needs. 

So, if you think we can provide you with the right health insurance policy, then contact us immediately.  

Do you want to protect yourself from all the potential risks and challenges one is likely to face in life? Then, you have to make sure that you opt for a good insurance coverage. Life is uncertain and there are a lot of issues which can be affected. That is why you need to opt for a good insurance in order to protect against all the losses you might be facing. We, at SBC Insurance Services, Inc., can help. We bring you a wide variety of insurance programs. Right from home, auto, business, to life and even health insurance, we can protect you with everything you need.  We are an experienced and reputed company known for our high-quality coverage and affordable premiums. We understand the importance of facing several kinds of losses and therefore, have prepared a coverage that you will benefit from. So, if you are from areas such as Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA, or Sunnyvale, then you can resort to us. 

Here, we have put together a few vital insurance programs you should always invest in. Take a look. 

• Life Insurance 

You might be able to provide for your family members while you are alive. But you have to think what will happen to you after your death. In order to meet their daily expenses, emergency crisis, and future plans, you should opt for a life insurance coverage. 

• Health Insurance 

Next, the most valuable asset in life is not your wealth but your health. Therefore, you have to make sure that you get the right coverage for your health. Health insurance will cover medicines, medical procedures, and emergency medical, etc. So, you should opt for a healthy insurance protection. 

So, without thinking further, you should contact us immediately for these insurance policies or more.  

Natural calamities are something that everybody dreads because of the disastrous consequences it has. And flood is definitely one of the most dangerous yet common ones among these. It can totally tear your life apart, not only by taking away your loved ones but also ruining your habitats completely. Therefore, if you are from a flood-prone area, you should take adequate measures to prevent flood as well as arrange for a proper compensation if you have to face this kind of a natural disaster. One of the right solutions for you would be to invest in a quality flood insurance coverage. We, at SBC Insurance Services, are what you have been looking for. We are an experienced and reputed company that has been in this field since 1971 and have catered to the needs of many people suffering from flood damage. With our comprehensive insurance policies and reasonable premiums, we have helped these people restore their property and go back to their normal life. So, if you are located in areas like Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, or Sunnyvale, then you can choose us.

Here, we have put together a few important questions you might have for your flood insurance company. Take a look.

• What sorts of things do you cover in your flood insurance policy?

Before knowing about the details of the coverage, you cannot choose any kind of insurance policy. So, if you are opting for a flood insurance policy, you should ask the company about the sort of issues that they cover in their policy. Check if the policy meets all the losses you are likely to suffer from due to the flood.

• Do you offer free quotes for the flood insurance?

If you get a company which offers free quotes for the flood insurance policies, then you can understand if the rate of premiums are suitable for your budget and if it is the lowest compared to the other insurance providers. So, you should enquire if you can get free quotes from them or not.

So, after asking such questions, if you think we can be the right choice for you, then quickly get in touch with us now.

Are you interested in purchasing the latest model of your favorite car that has just been launched into the market? Well, it is a dream to ride the latest car in the market. But what if it meets with an accident due to another driver’s aggressive driving? You will be shattered, isn’t it? You will have to pay for the damage done to your car and also pay for your medical bills. So, whenever you purchase a car, you should always simultaneously arrange for an effective form of protection too which will compensate against such losses. What you need is a car insurance. Not only for the new cars but if you have a car, you should indulge in the right auto insurance coverage. You must understand that even an old car can break down and incur high repair costs. An auto insurance can compensate against this kind of loss too. We, at SBC Insurance, can be the right choice for you. We bring you high-quality coverage for all kinds of automobiles. With our quality coverage and reasonable premiums, we have become a preferred choice in areas like Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, and Sunnyvale.

Here, we have put together a few of the most common things to check in your car insurance company. Take a look.

1. Reputation

First of all, you should check the reputation of the company offering you quality car insurance policies. You must make sure that the company you are choosing for your auto insurance must enjoy a good reputation in the market. Check the reviews and ratings given by their clients before taking a decision.

2. Premiums

Next, you must check the rate of premiums for the auto insurance policy before taking a decision. You should make sure that these are within your budget. So, check the rates from beforehand and try to compare them with others before taking a decision.

So, if you are interested in our car insurance programs, contact us today.

Do you want to purchase a new house? First and foremost, you need to make sure that your house is protected from every corner. One of the most effective protection you can give to your house is home insurance. It will make sure that you are protected from all kinds of losses that you might suffer due to your house. We, at SBC Insurance Services, can help you with the right coverage program for your house. We will make sure that you get protection from all the major risks and threats your house is exposed to, whether you live in an apartment, a mansion, or a condominium. We are a leading insurance agency known for our comprehensive coverage and affordable rates. So, if you belong to areas like Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, or Sunnyvale, then we can be of help. 

Here, we have put together a few common risks that you will face as a homeowner. Take a look. 

1. Natural Disasters 

One of the common disasters that you will be facing is flood, earthquake, or fire accidents. If you become a victim of the above-mentioned calamities, then you will suffer from huge losses for both the building of your house as well as the contents inside. So, you need to get insurance to protect yourself from these natural causes. 

1. Thefts & Burglaries 

Crime situation in the country is not too positive. Therefore, there will be a chance that your house will be attacked by thieves or burglars. In order to get a compensation for the loss of expensive furniture, electronics, cash, jewelry, and other things, you need to opt for a good home insurance policy.  

So, if you want to prevent such risks, you must purchase our home insurance policies. Contact us today without any delay.  

Do you want a complete solution to all your problems? One of the major source of all our problems is finances. We need to protect our finances in order to put an end to most of our woes. But since is life is uncertain, there are multiple problems which keep cropping up from here and there. We need to make sure that we are better able to handle the financial losses we suffer from in life. And one of the ways to deal with is opting for a comprehensive insurance program for different aspects of our life. We, at SBC Insurance Services, Inc., are the right choice for you. We bring you a wide range of insurance programs which include business, home, car, life, health, and a lot more. With our quality coverage and affordable rates, we have become a preferred choice of insurance in areas like Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, and Sunnyvale. 

Here, we have enlisted a few smart questions to ask an insurance agency. Take a look. 

1. What kinds of insurance policies can you offer? 

In order to make sure all the aspects of your lives are effectively covered, you have to make sure that you ask the company about the different kinds of policies they can provide. In other words, you are asking them about which aspects of life can they cover for you.  

1. Are you an independent insurance agency? 

If you choose an independent insurance agency, it will become much easier for you because you will get more carrier options to choose from according to your budget and needs. That is why you should ask the company if they are independent agency or not.  

So, after asking all such questions, if you think we can be the right choice for you, then quickly contact us now.  

Have you bought a car recently? Are you looking to keep it safe and protected? If your answer is yes, all you need is a car insurance policy. It is common knowledge that when you buy a car, getting the car insured is complementary to it. We, at SBC Insurance, provide you with the best possible insurance cover for your personalized vehicle and related covers all under one roof. We have remained in this industry for quite long and we understand what aspects of an insurance cover need to be looked after. Therefore, if you are located in Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, or Sunnyvale, you can rely on us to provide you with one of the best services possible. Our insurance agents guide you through the entire process until you make up your mind on the type of insurance cover pack of your choice.

Here, we have put together a few reasons for you to choose us as your car insurance provider. Take a look.

• Provision of Collision Coverage

In case, your car is faced with a crash, or if it is bumped into by another vehicle, collision coverage helps pay for the repair or replacement costs, if any. We provide collision coverage that helps you to fix your car in case of severe damages.

• Great Coverage at Low Prices

We understand your need to optimize on the budget front and yet choose an insurance policy that provides you the most comprehensive covers. You can rest assured that by choosing us, you will be buying one of the most affordable ones in this industry.

• Frequent Discounts and Offers

We roll out discount offers quite frequently. If you decide to compare our rates with other local insurance agencies, we might just have an upper hand!

So, if you think we might be able to provide you with the best insurance plans,call us at 650-469-0400 and get a quote.

The uncertainty of life is something that we are all aware of. The only thing that we don’t know is how to deal with it. Sometimes life can expose you to situations where you are simply left helpless, not knowing what to do. One such instance is death. What will you do if you suddenly meet with an accidental or get diagnosed with a deadly disease? It becomes an even more serious issue if you are the only breadwinner of the family. Your family will face major crisis financially apart from the emotional trauma on suddenly losing you. That is why you need to arrange for a good life insurance policy which will protect your family from bankruptcy. We, at SBC Insurance, are an independent insurance agency which can offer you a high-quality life insurance coverage at reasonable rates. With our experience and reputation, we are one of the preferred companies for all kinds of life insurances. Right from Universal, Term, to even fixed annuities, we can help you with full protection after your death. So, if you belong to areas like Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA, or Sunnyvale, you can resort to us without hesitation. 

Here, we have enlisted a few of the most useful benefits of a life insurance policy. Take a look. 

1. Daily Expenses 

You will be able to stand by your family to meet their daily household expenses if you have this insurance. Right from food to clothing, you will be able to provide for all such daily needs with this insurance. 

1. Future Aspirations 

Your son might want to study the aeronautics or medicine. Your daughter might plan to travel the world or do a PhD abroad. You will be able to turn their dreams into a reality if you have life insurance.  

So, if you want to enjoy these benefits, you should get contact us immediately. 

If you are thinking of buying a new house or already own one, make sure that you have the right things to extend protection to the house. Installing security systems or hiring security guards will not be enough to give your homes the protection it needs. You need to make sure that you are also well compensated for all kinds of losses that you may incur because of your house. We, at SBC Insurance, can help. We bring you one of the finest home insurance coverage options for all kinds of homes, from apartments to condos and even rental properties. We analyze the risks of all our clients and then formulate a customized insurance policy that will protect their homes from all issues. We have been established in 1971 and are known for our comprehensive policies at highly affordable rates. So, if you are from areas like Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, or Sunnyvale, you can resort to us. 

Here, we have enlisted a few signs of a good insurance agency when it comes to your home. Take a look. 

• Independent Insurance Agency 

As an independent insurance company, they will be able to provide you with multiple carrier options so that you can choose according to your budget or requirements. So, lookout for this sign if you are looking for a good home insurance agency. 

• Solid Coverage 

Next, you have to go through the coverage offered by the insurance agency and see if all the important risks or challenges are covered in the policy or not. The one that covers all the major challenges will be the right insurance company. 

• Low Premiums 

Lastly, the sign that you need to lookout for while opting for a home insurance company is low premiums. If the company offers low rates, then you can save some money.  

And if you think we have all the above-mentioned signs, then contact us immediately for a good home insurance.

Do you love driving? Then, you must have a car of your own. But have you got yourself protected on the road is the question that you should ask yourself. Often, we ignore this but owing to this negligence, you might have to land up paying a huge amount for the loss. You should realize that there are several kinds of risks and challenges you will face when you take your car for a spin on the road. One of the easiest solutions for you would be getting a car insurance. We, at SBC Insurance, are a great choice for all kinds of insurance policies. We offer you the right kind of auto insurance policies which will serve your purpose perfectly. Our policies cover all kinds of vehicles, right from your car to your motorcycle. We are known for our solid reputation which has enabled us to create a solid base for our customers in and around areas like Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, or Sunnyvale.

Here, we have put together a few crucial reasons why auto insurance is what you need. Take a look.

• Repairs

We are all aware that a car is nothing but a machine which means it can break down at any moment after a considerable period of use. It can become a little frequent after you have been using the same car for quite some time now. But you should realize that these car repairs or parts replacements can be extremely expensive. You can be saved from such important expenses if you have car insurance.

• Accidents

Next, you should realize that no matter how much cautious we are and how much we try to follow the traffic rules and regulations, there can be a mishap. An accident on the road will not just cause a lot of damage to your car but might also pose injuries for you. So, it is essential that you get a comprehensive insurance policy which willcover these issues.

So, if you want to avail our auto insurance policy, contact us today.

Do you want to improve on your security? Simply hiring more armed guards or installing more security devices either at home or in your office will not help. You need to think about a situation where the loss has already occurred. What if there is an earthquake and your home gets damaged? Or all your belongings get stole? Your confidential client information could also be leaked by an intruder? This is the reason why you need to do the damage control. In order to do the damage control, you can invest in every kind of insurance suitable for covering a particular aspect of your life. We, at SBC Insurance, can be the right choice for you. We bring you several high-quality insurance policies for your business, home, or even personal vehicles. We have years of experience and are known for our client-oriented approach. So, if you belong to areas like Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA, or Sunnyvale, you can resort to us without any hesitation.

Here, we have put together a few of the important things to keep in mind while choosing any insurance policy. Take a look.

• Coverage Details

Firstly, you should keep in mind the coverage details of the insurance policy. Whether you are purchasing a policy to protect your home, business, or even your automobile, you need to know the factors of risks or challenges which you can be protected against with this insurance policy. Without this knowledge, don’t even think of buying the policy.

• Reliable Provider

Next, you should take note of the company from whom you are purchasing the insurance. Whether you will opt for this policy from this particular insurance company depends on the company’s reputation and standing. You will be able to rely on a company only when you check the other reviews and ratings to ensure that the policies have helped other customers too.

So, if you think we can be the right choice for you, get in touch with us now.

SBC Insurance can help you with life insurance in Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale. Life insurance mainly falls under the category of personal insurance products and provides you with a way to ensure loved ones are taken care of when you are no longer around or able to take care of them. 

You can also get life insurance in a commercial context. This is also keyman insurance. If you have a business that relies on one or key people, you can protect business interests with a keyman insurance policy. Most small businesses will fail if a keyman suddenly dies or becomes incapacitated. Keyman insurance can help a small or medium business survive the loss of a partner, owner or director. 

Personal life insurance comes in three main flavors. These are term-life, whole life ad endowment.  A term-life policy will cover your life for a fixed period, normally 20 years.  Term life is cheaper than whole life and is a good option for a young family. Whole life will cover you for as long as you live. An endowment policy is a type of whole life policy that has an investment component. That means the policy will accrue a cash value over time. 

Whether is term life, whole life or keyman insurance, the purpose is to ensure there is money available for others to continue when you no longer able to produce that money. It is a sensible way to take care of things should the unexpected happen. Loved ones will have enough grief and suffering when the unexpected happens. You don’t want the to be burdened with added financial pressures. 

Closely linked to life insurance is health and disability insurance. SBC Insurance can help you with life insurance, health insurance and disability insurance.

SBC Insurance is an accredited agency providing home insurance in Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale. It does not matter whether you own a free-standing home, a condo or an apartment, they can help you with proper home insurance. They can also help you with supplemental home insurance such as earthquake insurance and flood insurance. 

Your homeowner’s insurance will cover your buildings and structures as well as content. You may well have detached structures on your property such as a tool shed, a patio, swimming pool and entertainment area. You want to be sure detached structures are also covered. Maybe you have an expensive landscape design and installation with water features, walkways, rock formations and so on. You should check that such home improvement assets are covered. 

Home insurance should also cover your personal liabilities. Should someone get hurt while on your property you may well be held liable for related expenses such as medical expenses. If your kid kicks a ball through your neighbor’s window or your dog bites a visitor, you could be sued for damages. Liability insurance will cover you in the event of 3rd party claims. 

Content insurance is an important part of home insurance. It covers assets such as furniture and fittings, carpets, widow curtains, blinds and drapes, household appliances, equipment, clothes and more. If you own high-value items such as artwork, jewelry or rare collections, you will need separate insurance or an endorsement on your policy. 

Home insurance does not cover all events and risks. Floods and earthquakes are notable examples. SBC Insurance can help you with the right supplemental insurance to cover your real risks. That way you can have peace of mind that your home insurance does not have risky gaps. 

Are you looking for a new car? Before you choose a stylish and expensive car that has just been launched in the market, you need to make sure that it is safe and well-protected from all corners. One of the greatest dangers for your new car will be the road itself. Nowadays, the road conditions are not good and are deteriorating the condition of the car too. Moreover, there is a lot of aggressive driving on the road which increases the chances of accidents which damages the car and causes several injuries to the driver and other car occupants. Car repairs are extremely expensive and medical bills are not too less either. Therefore, the only thing which can protect you is the right car insurance. We, at SBC Insurance Services, can provide you with high-quality insurance options for several aspects of life, right from the home, business, to life, and health. We are a leading insurance agency which is known for comprehensive insurance solutions and competitive premiums. So, if you live in areas like Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, or Sunnyvale, and need a car insurance, we can be the right choice for you.

Here we have put together a few things that you need to check before opting for the right car insurance. Take a look.

• Coverage Details

First of all, you should check the coverage details and make sure that this covers all the potential risks and challenges you are likely to face on the road. Go through the coverage details well before taking a decision.

• Types of Vehicles

Next, you should make sure that you know the sort of vehicles that is being covered by the company. If you have a classic car and it is not being covered, then there is no point in investing in this policy. So, check the vehicles it covers.

After checking such factors, if you think we can be the right choice for you, quickly get in touch with us now.

Do you want to safeguard your life against the major losses in your life? Then, you should know that there is not much you can do. Sometimes, you have to just sit and see a few things with no other option. But there is one thing that can at least compensate for the tragic losses you face in life. And that is insurance. If you have the insurance against a particular thing, you will get the coverage for the valuables you have lost. Nowadays, you get insurance for almost every aspect of life. We, at SBC Insurance Services, can be the right choice for you. We are an experienced insurance agency which offers you several insurance policies, right from life, health, to your business and even auto insurance. Our quality coverage and affordable premiums have helped us gain a great reputation in the crowd. So, if you belong to areas like Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, and Sunnyvale, you can resort to us without hesitation.

Here, we have put together a few of the most common types of insurance you should invest in. Take a look.

• Life Insurance

This is the most important insurance in your life. You can safeguard your loved ones after your death with this insurance. Right from their household expenses, mortgage payments, loans, to the future aspirations of your family can be easily met if you have insurance.

• Health Insurance

Health is wealth. This is the most important asset that people have. So, you should make sure that you keep it protected and safe. But sometimes it is not possible to do so. Medications have become more expensive and accidents are also not very uncommon. So, you can save yourself from expense with health insurance.

If you need these two major insurances, then quickly get in touch with us now.

Life insurance is an important coverage within the personal insurance category. However, life insurance can also find application in the commercial sector. This could be in the form of key man insurance.  SBC Insurance can help you with life insurance in Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale.

Life insurance provides you with a way to take care of those you love when you are no longer around or able to.  There are different types of life insurance plans including term life, whole life and endowment policies.

Term life will cover your life for a specified period. This is normally 20 years. This type of policy is a good option for a young family just starting out. Whole life insurance will cover you for the rest of your life provided you pay the premiums. You also get life insurance policies that have an investment component. This means part of your premiums are applied to an investment component. These types of policies will accrue a cash value over time. You can access that investment portion after a certain amount of time.

Whatever type of policy you have, the main concept is that the carrier will pay your family or loved ones a certain amount of money when you die. This could be in the form of a lump sum, or annuities or some combination. At such as difficult time your loved ones will have enough to deal with and you would not want them to have financial burdens as well.

In business it may well be wise to take a policy on the life of a key person such as a partner or director. In a small business this type of person may be essential to the survival and growth of the business. This type of life cover is often called a keyman policy.

SBC Insurance can help you with reliable and cost-effective home insurance in Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale.  As a homeowner you face many perils that can damage or destroy your home. Proper home insurance will cover your financial losses and help you recover. There are many potential perils including fire, theft, accidents, water damage, storm damage, floods and more.

Home insurance should cover your buildings and structures as well as your fittings, furniture and personal belongings. Home insurance should also cover outbuilding and garden features such landscaping, pools, patios and so on. Certain high-end items such as artwork and jewelry may need to be specified separately. Home insurance will also cover your liabilities in the event of a third-party claim.

Not all events are covered by a standard homeowner’s policy. Certain perils such as floods and earthquakes may need to be insured separately.   It is important to know what type of supplemental insurance you need to cover risky gaps in your home insurance policy.

Home insurance can cover your primary residence as well as secondary homes. You can get home insurance for homes under construction, vacant homes, rental home and vacation homes. You can also quality multiple policy discounts.

Home insurance is important. You need to be sure you have proper coverage that includes major perils. You also need to be sure you are covered for the replacement value of your home and valuables.

If you want home insurance that is good and proper, then you want to talk to a consultant at SBC Insurance. They can provide you with the right home insurance in Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale. That way you can have peace of mind knowing you wont lose your home when misfortune knocks on your door.

Are you thinking of buying a car?  Well, are you investing in its protection as well? You must get car insurance as well for the car in order to protect it against all kinds of emergencies. Your car might suddenly face a breakdown and need to hire expensive car repair services. Or your car might meet with an accident and incur heavy medical bills. And moreover, if someone gets injured in your car, then too, you will have to make the liability payments. In such a scenario, you need to ensure that these unnecessary expenses are not paid from your pockets but your insurance gets it covered. We, at SBC Insurance, can provide you with the right personal auto insurance. We are a premiere level insurance agency which can meet all kinds of auto insurance needs, right from personal to family auto coverage. So, if you are located in areas like Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA, or Sunnyvale, you can rely on us.

Here, we have put together a few things to compare before choosing your auto insurance policy. Take a look.

• Coverage

First of all, you should compare the kind of coverage offered by the various insurance policies. Check if the major threats and risks have been covered or not and which policy offers your car the maximum protection.

• Company Reputation

Next, you need to compare the insurance company’s reputation in the market. This will help you understand if you should trust the company with their auto insurance policy or not. So, compare the ratings and reviews enjoyed by the company.

• Premiums

Lastly, you must compare the insurance premiums charged by the company. This will help you understand which policy is providing you with the best protection at the cheapest cost.

After comparing all these factors, if you want to purchase our insurance policies for your car, then get in touch with us today.

Can you give a guarantee of life? Nobody can. Life is uncertain and highly unpredictable. So, you have to constantly be prepared to fight against the challenges it poses in your way. And one of the best ways to fight this battle is to invest in the right insurance for all aspects of life. We, at SBC Insurance Services, can be a one-stop shop for insurances. Right from the life, health, home, or auto to the commercial insurance, we provide coverage for everything. We are an independent insurance agency so you can get a number of carrier options from us and choose the one that suits your needs and budget. Our expert staff will help you navigate through the policies so that you can make a well-informed choice. So, if you are located in areas like Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA, or Sunnyvale, you can rely on us.

Here, we have put together a few ways in which insurance can help. Take a look.

• Compensation for Loss

First of all, you should know that insurance can compensate you for a number of financial losses. Right from the expensive car repairs, medical bills, to thefts or damage to your properties, there can be several things that will drain your money. Moreover, an accidental injury of someone else in your home or office might also subject you to liability payments, which is also effectively covered by insurance.

• Peace of Mind

Secondly, having an insurance policy for your life, health, home, automobiles, or business ensures complete protection of these in case something goes wrong. So, you will have a peace of mind at all times that you are ready to cater to these emergencies financially, if not mentally.

Then, if you are interested in purchasing your insurance policies from us, quickly get in touch with us today.

SBC Insurance specializes in commercial and personal insurance products and can help you with life insurance in Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale. Life Insurance affords you a means of looking after your family and loved ones when you are no longer able to.  

There are different types of life insurance products such as permanent life, universal life, term life, variable life and fixed annuities. Although the main principles are the same, there are subtle differences between the various types of life insurance policies. 

Permanent life covers you for a lifetime. It has an insurance component as well as an endowment or investment component. Permanent life insurance will pay out an agreed sum of money to your named beneficiary or beneficiaries in the event of your death. In addition, this type of policy has an investment component and will build a cash value over time. The cash value is the accumulated savings that you can access in the future. 

Universal life allows you to adjust your premiums. For example you can pay higher premiums when you have extra money and lower your premiums when money is tight. There are minimum and maximums and within in this range you can make premium payments as they suit you. You can also reduce or increase the death benefits. 

Term life insurance covers you for an agreed period for example 20 years. This type of policy is cheaper then whole or permanent life. There is no cash value and if you die within the coverage period the policy will pay out a lump sum to your stated beneficiary. 

A consultant at SBC Insurance can explain the various options to you and will help you select the right life insurance products for your circumstances and long-term goals. 

SBC Insurance can help you with home insurance in Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale.  They are an independent agency serving clients in California and other western states. They have access to several leading carriers and can match you with suitable personal insurance products. One the most important types of personal insurance is home insurance.   

Home insurance covers your buildings and structures as well as certain assets in your home.  A homeowner’s policy typically covers you for the most common types of risks. These include fire, domestic water damage, accidents, theft and liability claims. Certain events such as flood damage in not covered under a standard home insurance policy. You will need separate insurance for that. California is at risk of earthquakes and you want to be sure you are covered for such an event. 

Another area of importance will be high-value items such as artwork and collections. Although home insurance covers your contents, there are limitations. Certain valuables will need to be covered separately by way of endorsements and riders. 

Home insurance can also cover multiple homes. For example, if you have a primary home, a vacation home and a rental home, you can cover them all with the same carrier and get multiple policy discounts. SBC Insurance can also help you with coverage for rental properties and homes under construction. 

When It comes to insurance, it is important to know what is covered and what is excluded. Home insurance will cover common perils but major disasters such as floods and earthquakes will not be covered. You will need supplemental insurance to cover you for certain events. There also limits to the amount an insurance policy will pay out.   

SBC Insurance can help you with custom home insurance that will cover your real risks and for replacement value.

If you want life insurance in Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale, then SBC Insurance can help. One of their areas of speciality is life, health and disability insurance. 

Life insurance can be for personal use or business use. In a business setting a key person is often essential to the survival of the business. This is especially true in smaller businesses and even medium sized businesses. A key person is often the business itself. A key person has intimate knowledge of the business, including customers, supplies, staff, banking and so on. If something happens to a key person, the business could fold. Keyman insurance is an important form of life insurance and help guarantee the survival of a business should something happen to a key person. 

Life insurance is also an important component of a personal insurance portfolio. Life insurance provides the insured with a means to look after loved ones when he or she no longer can. Life is unpredictable and taking care of those we love is a natural instinct. 

There are many types of personal life insurance. These include permanent life, whole life, universal life, term life, endowment options and more. Life insurance often has one or more beneficiaries. These could be your wife, husband, children or some other relative or friend. Life insurance will pay out a lump sum or annuities or some combination to the beneficiaries in the event of death or permanent disability. 

Health insurance can also be considered a part of life insurance. Group health insurance can be important in business or family setting. Group health insurance is also an important employment benefit that can help a company attract the right employees. 

SBC Insurance can help you with life insurance, group health insurance as well disability insurance in Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale. 

SBC Insurance can help you with the right home insurance in Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale. Home insurance is not something you should take lightly or for granted. It is supposed to protect your biggest investment. Effective home insurance will cover your real risks at a competitive cost. 

However, many home insurance policies have gaps in coverage. Just because you have a homeowner’s policy does not mean all your risks are covered. Home insurance generally covers localised risks such as fire, theft, accidents and liabilities. However there are other risks especially in the form of natural disasters. 

Weather conditions are becoming more severe and you face risks of flooding, windstorms, hail damage and so on. Does your home insurance cover you for these risks? A flood can destroy your home. Even if you don’t live in a flood zone, the risk of flash floods is greater than ever before. Flood insurance is something you need to consider carefully. 

If you own a condo or an apartment the body corporate will have insurance and you will have insurance. You need to be sure there are no gaps between these different insurance policies. A consultant at SBC Insurance can help you understand what is covered by the management company’s insurance and what should be covered by your home or condo insurance. 

Another important component of home insurance is content and valuables. Although your content will be covered, there are limits to coverage. If you have high-end items such as jewelry, collections or fine art, you may need to insure them separately. It is always good to know what is covered and for how much. You also need to know which items and events are excluded. 

SBC Insurance can help you with home insurance and supplemental insurance in Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale. 

If you are a business owner, then it is a must to have the right insurance coverage not only to protect your business but also for your employees and customers. This will save you from financial losses and also help you reap the perks of higher productivity. If you need such coverage plans, get in touch with us at SBC Insurance. Our service areas include the different parts of Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale. 

Why Choose Us? 

When you choose our coverage plans for your business, it will help you in the following ways, 

• In the business world, a lot of assets are involved. Here, even a little negligence or slackness can turn your property into ashes. Any form of accident can be fatal to your property, individuals or the third party. So, investing in our plans makes sense. It will save you against financial burdens.  
• With our insurance plans, you can increase the efficiency of your business. When you are free from the tension of any form of losses, you can concentrate properly on your business and enjoy maximum profits.  
• Our insurance plans will help in the enhancement of credit scores. When you are insured, you will definitely get more loans because of the payment certainty.  
• If you are a business owner, the welfare of your employees will be your responsibility. Our insurance plans will offer you with pensions, sickness and accident benefit. The strife and struggle amid the employer and the employees will immediately get minimized with the right insurance plans.  

If you have made up your mind to invest in these plans, reach us at 877-329-1150. Our staffs will guide you in every step of the way to help you make an informed decision. They are friendly and supportive and always at your service.  

Purchasing a boat indeed is a huge investment, so protecting it should be your priority. Considering its significance, we, SBC Insurance, offer boat insurance to people living in and around Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale. We are a licensed, authorized and experienced company which means that you can count on us for securing your investment. Our staff will guide you in every step to help you choose the right insurance and also make you aware of its benefits. 

 6 Benefits of Investing in Our Boat Insurance  

Below are the benefits of investing in our boat insurance. Take a look, 

• First and foremost, it will offer you with a good property damage coverage. This will help you enjoy peace of mind.  
• It will offer coverage for hospitalization and treatment resulting from a boat injury. Our insurance plans will help in turning any catastrophic loss to a manageable inconvenience. 
• Our insurance plans will offer you with a liability coverage, which means during an untoward situation, you will not have to pay a hefty sum from your pocket for the treatment of the victims. 
• Our insurance will also include the uninsured boater coverage, which means no matter the person who damages the vessel you can stay safe financially. 
• Most importantly, our insurance plans will offer you with emergency assistance as well as towing.  

Should your vessel in any case sinks or experiences a huge loss because of fire or flood, it will result in a huge financial hit. Our insurance plans will have you back in the case of complete replacement. The bottom line is, if you have a boat, then make it a point to invest in our policies. This will be the best way of protecting your boat and thereby help you enjoy boating devoid of stressing over prospective accidents. To know more call us at 877-329-1150.  

SBC Insurance can help you with best value home insurance in Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, Sunnyvale. Home insurance might be the most important insurance you ever take out, so you want to be sure your coverage is good and proper. Your home is one of the biggest, if not the biggest investment you will ever make. It is your place of shelter and security. Should some event such as a fire or a flood destroy your home, you need to be able to replace it. 

There are many risks to your financial security. Severe damage or destruction of your home is one of them. The best way to protect your financial interest and security is with home insurance. You can’t always control what happens in life, but you can plan and be prepared. Home insurance will pay for repairs or the re-building of your home in the event of a disaster. However, it’s not only major disasters you need to worry about. Smaller events can also leave you with substantial losses. 

Home insurance will cover your buildings, structures, fittings and contents. Home insurance will also cover your liabilities in the event of an accident or incident that results in injury to others. For example, if your dog bites your neighbor you could be in for a substantial liability claim. Home insurance generally covers localised events such as fire, accidents and domestic flooding. However, not all events are covered under a standard homeowner’s policy. One such event is widespread flooding. You will most likely need a separate or supplemental policy for that.  

You don’t want nasty surprises when it comes to claim time. It makes sense to deal with an independent and professional agent when it comes to important matters such as home insurance. 

SBC Insurance can help you with best value insurance products including life insurance. They serve the communities of Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, Sunnyvale with reliable insurance solutions including personal insurance and business insurance.  Life insurance is an important product that fall within the personal insurance category. Life insurance enables you to provide for your family, your loved ones. Life insurance can also be used in business to cover key employees. This type of life insurance is known as keyman insurance. 

There are different types of life insurance policies. Commercial life insurance can be in the form of group life or keyman policies. Personal life insurance can be divided into different categories such as term life insurance, permanent life, whole life insurance, universal life and fixed annuities.  

A group life insurance policy will cover a group of people such as a board of directors, members of a union, players of a sports team and so on. The policy owners could be a business, an employer, a union or a sports club.  

A small business relies heavily on one or tow people such as the owner, director or manager. If that key person suddenly dies the business itself will likely sink. One way to protect the business and help it survive such an event is through keyman insurance. Basically, the business takes out key man insurance on the life of the owner or director. The business pays the premiums. Should anything happen to the key person, the business or company will receive the insurance pay-out. 

Personal life insurance products provide you as the breadwinner to provide for your loved one when you are no longer around or able to.  There are many types of personal life insurance products such as term life and whole life.  

SBC Insurance can help you with right life insurance products for your business or family. 

SBC Insurance can help you with best value home insurance in Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale. Your home is one of your biggest and most important investments, so you need to be sure your homeowner’s policy is good and proper. SBC Insurance is long established independent agency serving clients in California and other western states. Their experienced consultants will ensure your home insurance is solid. Whether you own a condo, a townhouse a free-standing family home, a vacation home, a mansion or a palace, the team at SBC Insurance will arrange the best possible home insurance for your requirements. 

The fact that you have a homeowner’s policy does not mean you are properly covered. Home Insurance has limitations and exceptions and you need to be aware of any possible gaps that can compromise your financial security. There could be gaps in your condo insurance, or exclusions related to specific events such as floods or other natural disasters. There could be limitations on the amount of your coverage as well coverage related to certain valuables. Does your home insurance cover the replacement value of your home? Does your home insurance cover high-end items such as jewelry, artwork and collections?  

Most insurance policies will cover you for normal events such as fire, theft, accidents and so on. You will likely need supplemental insurance for events such as floods and earthquakes. You may also need special insurance for certain high-end items.  

If you own more than one property you could qualify for multiple policy discounts. Apart from your primary residence, SBC insurance can arrange coverage for vacation homes, investment properties, homes under construction and more. They will custom tailor a home insurance solution to match your requirements. 

SBC Insurance can help you with best value home insurance in Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale. Your home is one of your biggest and most important investments, so you need to be sure your homeowner’s policy is good and proper. SBC Insurance is long established independent agency serving clients in California and other western states. Their experienced consultants will ensure your home insurance is solid. Whether you own a condo, a townhouse a free-standing family home, a vacation home, a mansion or a palace, the team at SBC Insurance will arrange the best possible home insurance for your requirements.

The fact that you have a homeowner’s policy does not mean you are properly covered. Home Insurance has limitations and exceptions and you need to be aware of any possible gaps that can compromise your financial security. There could be gaps in your condo insurance, or exclusions related to specific events such as floods or other natural disasters. There could be limitations on the amount of your coverage as well coverage related to certain valuables. Does your home insurance cover the replacement value of your home? Does your home insurance cover high-end items such as jewelry, artwork and collections?

Most insurance policies will cover you for normal events such as fire, theft, accidents and so on. You will likely need supplemental insurance for events such as floods and earthquakes. You may also need special insurance for certain high-end items.

If you own more than one property you could qualify for multiple policy discounts. Apart from your primary residence, SBC insurance can arrange coverage for vacation homes, investment properties, homes under construction and more. They will custom tailor a home insurance solution to match your requirements.

Home Insurance and Car Insurance in Mountain View, Palo Alto, Sunnyvale, and Stanford CA. Offering Group Health Insurance, Life Insurance, Business & Motorcycle Insurance.

Being an entrepreneur is no easy job; you not only have to take care of your business but also ensure the well-being of your employees. One of the primary things on your to-do list should be insurance. And group health insurance can definitely benefit you in more ways than one. This will not give complete protection to your employees against all health odds but will also help you retain them. We, at SBC Insurance, can help you find one of the best insurance products for all kinds of needs including health. So, if you are based in and around Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, and Sunnyvale, then you can resort to us. Here are some ways in which buying group health insurance can benefit you. Take a look.

1. Better Business Productivity

Employees determine the productivity of your business. So, it is your duty to ensure that this productivity is not hampered or impeded at any cost. Health coverage ensures that your employees will be in the best of their health even during trying times, and even if an accident occurs, this will enable to get the right treatment on time, fostering a faster recovery.

2. Tax Exemptions

You may not be aware but employers can get a tax exemption if they offer health insurance policies for their employees. Our efficient and experienced professionals will be able to guide you better about this, giving you all the requisite details.

3. Attract & Retain Better Candidates

Apart from the salary, employees tend to look for varied benefits in a company where they will work. And health insurance is definitely one such lucrative benefits. If you can provide your employees with this essential thing, there are higher chances of attracting many proficient, able, and responsible candidates who will be more than willing to work for you.

So, now if you think that you too want your employees to have such an added advantage while working with you, quickly give us a call at 877-329-1150 for all your health insurance needs.

Group Health Insurance and Business Insurance in Menlo Park, Palo Alto & Sunnyvale CA. Offering Life Insurance, Motorcycle Insurance in Los Altos. Get Car & Flood Insurance.

SBC Insurance offers reliable and affordable personal and commercial car insurance in Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale. If you own or drive a car in California, you need car insurance. It’s just a matter of getting the right package from a reliable and independent agent. The consultants and account managers at SBC Insurance will match you with the right auto insurance solution whether you own one vehicle or multiple vehicles.

Car insurance has several components or coverage options. The first of these is liability cover. This is a type of 3^rd party insurance that covers you should someone sue you for compensation pursuant to a road accident. Since liability suits can run into million, it is a good idea to have this type of coverage. Liability insurance is also compulsory in the state of California and you don’t want to be caught without it. Other important components of car insurance include uninsured motorist, collision insurance, comprehensive insurance and umbrella insurance.

If you don’t have uninsured driver’s coverage you might not be able to recover losses related to an accident involving uninsured or underinsured drivers. Collision insurance covers damages to your vehicle resulting from a car accident.  Comprehensive insurance covers you for events other than a road accident, such as auto theft or storm damage. The consultants at SBC will be happy to assist and advise you regarding the various options and benefits.

Car insurance can also cover your expensive luxury vehicles, classic vehicles and other vehicles such as boats, trailers, motorcycles, off-road vehicle and more. So, whether you won a regular sedan, a sports car, a Rolls Royce, a run about or a luxury yacht, SBC has the right auto insurance solution for you.

Car Insurance and Home Insurance in Mountain View, Palo Alto, and Sunnyvale CA. Offering Life Insurance, Business Insurance, Group Health Insurance. Get Motorcycle Insurance.

Are you starting your own business? Then, the first and foremost concern you should have is its insurance. Business insurance is an absolute necessity in today’s times. SBC insurance can take care of a wide variety of your commercial insurance needs. We offer you the most popular insurance products that even the smallest of businesses require. With an experience in highly advanced and industry oriented coverage, often needed by most of the established companies, we are one of the reliable names in and around Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA, and Sunnyvale.

So, here’s what makes the SBC Insurance, the right choice for you.

• Coverage

We, at SBC Insurance, provide you with all kinds of policies, right from general and professional liability coverage to worker’s compensation and property coverage. We also take pride in our phenomenal markets for both Directors’ & Officers policies and Employment Practices Liability. Such policies cannot be ignored in the litigious environment that we live in because these can extend protection against unforeseen losses, and thereby, ensure your peace of mind at critical times.

• Technology

With a substantial experience in data breach coverage and cyber-liability, we enable the high-tech companies and established manufacturers to tailor an insurance coverage according to their particular exposures in the US and also, abroad. Regardless of an operation on international waters or a specialized workforce beyond the borders, we can get you a coverage that you need because of our access to international insurance markets. We also have a license in several states that can help the US businesses to have a regional footprint.

• Contractors Coverage

We, at SBC Insurance, cover a number of artisan contractors and other kinds of contracting businesses. So, we offer a good coverage for contractors as well.

So, what are you still waiting for? Call us at 650 469-0400 now to purchase the right commercial coverage for your business.

Business Insurance in Menlo Park, Mountain View, Sunrise, Palo Alto, and Stanford CA. Offering Group Health Insurance, Life Insurance in Los Altos. Get Boat & Car Insurance.

SBC Insurance offers reliable and affordable personal and commercial car insurance in Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale. If you own or drive a car in California, you need car insurance. It’s just a matter of getting the right package from a reliable and independent agent. The consultants and account managers at SBC Insurance will match you with the right auto insurance solution whether you own one vehicle or multiple vehicles. 

Car insurance has several components or coverage options. The first of these is liability cover. This is a type of 3rd party insurance that covers you should someone sue you for compensation pursuant to a road accident. Since liability suits can run into million, it is a good idea to have this type of coverage. Liability insurance is also compulsory in the state of California and you don’t want to be caught without it. Other important components of car insurance include uninsured motorist, collision insurance, comprehensive insurance and umbrella insurance.  

If you don’t have uninsured driver’s coverage you might not be able to recover losses related to an accident involving uninsured or underinsured drivers. Collision insurance covers damages to your vehicle resulting from a car accident.  Comprehensive insurance covers you for events other than a road accident, such as auto theft or storm damage. The consultants at SBC will be happy to assist and advise you regarding the various options and benefits. 

Car insurance can also cover your expensive luxury vehicles, classic vehicles and other vehicles such as boats, trailers, motorcycles, off-road vehicle and more. So, whether you won a regular sedan, a sports car, a Rolls Royce, a run about or a luxury yacht, SBC has the right auto insurance solution for you. 

Types of Life Insurance

Life insurance affords you a means of taking care of the ones you love when you are no longer around or able to. SBC Insurance can help you with life insurance in Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale. They also help businesses group insurance benefits such as medical and group life.

Life insurance basically pay out a benefit to named beneficiaries should the insured die or become disabled. The insured needs to make sure the policy premiums are paid. The insured should also not die under suspicious circumstances- i.e. there must be no foul play. There are different types of life insurance options. These include term-life, permanent life, universal life, endowments, fixed annuities and more.

Term life insurance covers an insured for an agreed amount of time, normally 20 years. This is the cheapest form of life insurance and is popular with young couples starting out. Another important type of life insurance coverage is permanent life. This type of insurance covers an insured for his or entire life, provided the insurance premiums are current.

Permanent life insurance comes in two flavors – whole life and universal life. Whole life insurance addresses the long-term goals of the insured by offering consistent premiums and endowment or cash value accumulation. Universal life offers customers flexibility with premium payments, death benefits and endowment options.

Another type of life insurance policy is key man insurance. If somebody is essential to the survival of a business a key man policy can provide the business with a life line should that key man die or become disabled.

Closely aligned to life insurance is health insurance and disability cover. SBC Insurance can help you with life insurance, health insurance and disability cover in Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale.

Best Value Car Insurance from an independent agent

SBC Insurance can help you with best value car insurance in Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale. Best value care insurance provides you best options in terms of coverage at an affordable price.

Car insurance has a few different components. These include liability covers, collision insurance, comprehensive and umbrella. Other important options in auto insurance includes other vehicles, classic and high end or luxury vehicles, off-road vehicles, all-terrain vehicles, trailers, boats, multiple vehicles and commercial auto.

When it comes to normal car insurance you must have liability cover. This covers you for injuries or damages to others that result from you operating a vehicle. Liability suits can financially cripple you if you don’t have proper liability cover. You could also find yourself on the wrong side of the law if you don’t have liability insurance.

It is also a good idea to have collision insurance. This will pay for damages to your vehicle that result from a collision or road accident. At the same time, you should consider medical insurance to cover hospital and doctor’s bills should you be injured in a car accident. You can also take out comprehensive insurance to cover you for other events such as storm damage, auto theft, loss of valuables, road side assistance and so on.

There are many things to consider when it comes to car insurance. These include coverages, price and options. The best way to get affordable car insurance is to deal with a local independent agent. They have the knowledge and connections to find you the best coverages at the best price.

They can also help you with multiple vehicle insurance, luxury vehicle insurance, speciality vehicle insurance and more. SBC Insurance is your go to guy when you want best value car insurance in Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale.

SBC Insurance can help you with commercial or personal insurance in Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale. They are an independent agency and they serve customers throughout California and other western states.  They work with top national carriers and can match the right insurance solutions to your needs, whether commercial or residential.

Insurance is an important risk management tool. Without proper insurance, you are playing Russian roulette with your financial well-being.  You might never need to claim, but when the time comes that you have a big claim, you don’t want to find out you don’t have proper coverage.

There are two main groups of insurance namely commercial insurance and personal insurance. Commercial insurance (aka Business insurance) covers your business assets and risks. This could be in the form of a business owner’s policy that covers you for damages and losses because of specified events. Commercial insurance includes property insurance, loss of income and liability insurance. Business insurance is a complex field and it makes sense to get professional help. That wat you can be confident that you have the right business insurance for your needs,

Personal insurance covers your personal assets and risks. The type of personal insurance you need depends on the assets you own, your lifestyle and your budget. If you own a home then you certainly need home insurance. If you own a car then must have auto insurance. Other important types of personal insurance include health insurance, liability insurance and speciality insurance.

Whether you have personal insurance, business insurance or both, you need to be aware of some important things. These include:

• What assets are covered?
• What risks are covers?
• What assets are not covered?
• What events or risks are not covered?
• What are the limitations of coverage?
• What are the excesses and co-payments?

Insurance in Menlo Park, Mountain View, Palo Alto, Sunnyvale, and neighbors, including Loyola & Stanford. Offering Home, Life, Group Health, Car Insurance.

SBC Insurance can help you will affordable and reliable home insurance in Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale. Home insurance is an important contract that protect your financial interests. Your home is likely your biggest investment and should disaster strike you want to know that insurance will cover your damages and losses. Home should also cover for smaller mishaps that are not on the disasters scale, but could still cost you a pretty penny.

Home insurance starts with the conventional homeowner’s policy. This will cover for the normal risks and events such as fire, domestic water damage, accidents, burglaries and liabilities.  Coverage extends to buildings, structures, fittings and even to outbuildings and detached buildings. However, the coverage won’t include certain high values items such as artwork and jewellery. That will fall under the category of additional coverage.

Major perils and disasters are not normally included in a standard home insurance policy. Here we are talking about natural disasters such as floods and earthquakes.  This type of coverage is specialty insurance you may need to get separate policies for such events. It is important to remember that what might not have been considered a big risk in the past, might well be a real risk now. Weather systems are becoming more severe and monster storms more frequent. You need to be sure you are covered for your real risks.

Home insurance can also extend to secondary homes, construction homes, vacation homes and condominiums. Maybe you have a vacation home in an area where there is high risk of hurricanes, storm surges and floods. You need to be sure you have proper home insurance and related disaster insurance.

SBC Insurance specialises in home insurance and will help you with proper coverage in Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale.

Home Insurance in Menlo Park, Mountain View, Sunnyvale, and neighbors, including Loyola & Stanford. Offering Group Health, Life, Motorcycle, Car Insurance.

If you are an entrepreneur, then it is true that you have to pay attention to all the departments for the betterment of your business. And, one of them is taking measures in order to retain your employees. While searching for various methods to retain employees and protect their interests, I am sure that you must have come across group health insurance and its benefits. Trust me, this is one of the primary things that you should opt for as an owner, and it can help you in more ways than one. Wondering, is there any reliable company in and around Loyala CA, Menlo Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale, from which you can purchase such policies? Well then, bid goodbye to your worries as we, at SBC Insurance, would surely take care of your needs.

Still giving this a second thought? Here are some major benefits that you need to know.

• Attract Qualified Employees – While searching for a job, employees always look for added benefits apart from just the salary package. And, health insurance is one of the most lucrative benefits that they’ll look for. So, you will be really benefitted as you will be able to attract the most qualified employees to work for you.
• Better Access to Care – You want a team of fit and fine employees, right? Trust me, health coverage actually contributes in making people actively maintain their health, which in turn would actually increase your overall productivity.
• Tax Benefits – Not many are aware of this fact, but employers do get tax exemption if they incur on the health insurance policies for their staffs. To know more about this, you can have a word with one of our professionals, who can explain everything to you in details.

So, these are the major benefits of buying group health insurance policies for your workers. To know more, call us now at 877-329-1150.

Group Health Insurance in Palo Alto, Stanford, and neighboring areas. Life Insurance, Flood Insurance, Home Insurance, and more available in all our service areas.

Have you insured your car yet? No? Then, it’s high time you bag a car insurance policy from a reliable insurer. But, keep one thing in mind and that is, you shouldn’t compromise when it comes to safeguarding your beloved vehicle. Opting for the minimum bid might sound lucrative, but that doesn’t mean it is always a right choice. Also, make sure that you only move forward with a popular and experienced agency only. If you are looking for an agency in and around Los Altos, Loyola CA, Menlo Park, Mountain View, Palo Alto and Sunnyvale, then you are absolutely at the right place. We, at SBC Insurance, would take care of your requirements and needs in the best possible ways.

Are you wondering, what are the most important things that you need to keep in mind, while purchasing a car insurance policy? Then, here is a list for you. Take a look.

• Value of Your Vehicle: Be it a sports car, a high-end luxury car, a truck or any other automobile, remember the amount of your premiums will actually depend on its value. Hence, expect the rates to be high if you want to insure your Rolls Royce, and to be far less if you own a regular car.
• More is Better than One: Settling for a random policy without proper research or scrutiny regarding the coverage is a strict “no-no”. The more options you check, the better it is for you, as you will be able to make a wide decision. The best part about hiring us is that our agent(s) will describe the details of the policies to you so that, you get to understand properly before deciding to purchase one.

These were the two major things you need to keep in mind while getting an auto insurance policy. Also, don’t always opt for the lowest bid. Our range of auto insurances covers:

• Motorcycle
• Boats
• RV’s
• ATV’s / Off-road vehicles
• Trailers
• Classic Cars
• Umbrella
• Boats, jet skis and other watercraft, etc.

To know more about our policies or to avail them, call us now at 877-329-1150.

Car Insurance in Mountain View, Palo Alto, Sunnyvale, and neighbors. Motorcycle Insurance, Home Insurance, Life Insurance, and more available in our service areas.

Home insurance inclusions and exclusions

SBC Insurance provides reliable and cost-effective home insurance in Loyola CA, Menloa Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale. They can help you with homeowner’s insurance whether you have one home, two homes, a freestanding home, a vacation home, a condominium or an apartment.  Even if you don’t own your own home, they can still help you with renter’s insurance.

Home insurance is one of the most important risk management tools you can have and should be part of every personal insurance portfolio. Firstly, your home cost a lot of money and represents a major investment. Secondly, it is the roof over your head and largely defines your lifestyle. You and your family feel safe in your home and it is a place of comfort and happiness. Should something cause serious damage or even destroy you home your life will be turned upside down. Without home insurance to cover you, it might be impossible to get back on your feet.

There are many risks and these include the risk of fire, storm damage, flood damage, human acts and liabilities. Home insurance should cover your buildings and structures, your fittings and contents as well as your liabilities.  Home insurance covers these things for specified risks and specified amounts.

It is important to know what risks or events are covered and which ones are excluded. For example, you need to know whether you are covered for flood damage. Many people of lost everything because they were under the mistaken belief that their home insurance covered flood damage. You may also need to cover certain valuables such as jewelry and collections separately. It is also important to know the amounts and limitations of your insurance, whether it be home insurance, condo insurance or renter’s insurance.

Loyola, Menlo Park, Mountain View, Palo Alto, Stanford, Sunnyvale CA Home Insurance. Offering Flood Insurance in Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford, Sunnyvale CA.

Flood insurance is not part of a standard property insurance policy

SBC Insurance can help you with flood insurance in Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale. They offer both residential and commercial flood insurance. The fact that you have home or property insurance does not mean you have flood insurance. In fact, most insurance companies don’t offer flood insurance as they see the risk as too high.

When insurance companies see the risk as high, then you should take note. Weather systems are changing and the pattern shows they are becoming more severe. Events such as floods might not have been such as big risk in your area some years ago – that does not mean it’s not a real risk now. Circumstances change and so do risks.  Weather patterns are shifting and a flood can wipe you out if you don’t have flood insurance.

Floods can have a devastating impact on your land and buildings and other assets. Many people live under a false sense of security thinking their home or commercial property insurance covers them in the event of natural disasters.  The reality is that standard homeowner’s policies or commercial property insurance policies or business owners’ policies exclude flood related damages.

To protect you financial interests and your lifestyle you need separate flood insurance. Flood risk is not something you should leave to chance. SBC Insurance specialises in flood insurance in the Los Altos, Mountain View and Sunnyvale areas. They know where and how to find affordable flood insurance and will make sure you are property protected should you become a flood victim.

The can also help you with other insurance solutions whether for personal or commercial applications. Insurance is an important part of your risk management and having the right portfolio of insurance products can make the difference between financial disaster and financial survival.

Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford, Sunnyvale CA Flood Insurance. Offering Home Insurance in Loyola, Menlo Park, Mountain View, Palo Alto, Standford, Sunnyvale CA.

Are you residing in Monte Park, Mountain View or Palo Alto? Are you looking for a reliable insurance company in these areas? If yes, then forget your worry and come to us at SBC Insurance Services. We understand that your health and your assets are precious to you and you must take measures to protect all of it. That is why, you must opt for policies. SBC Insurance Services is a private insurance company that provides you with insurance for health, life, car, home, business, boat, and motorcycle. Our plans cover all kinds of major damages and expected costs.

Are you still wondering why choosing us will be helpful for you to provide protection to your loved ones and assets? If yes, then you must read the following points I am going to mention. I am sure these points will be helpful to drive away all your doubts.

Why choosing SBC Insurance Services is a good Choice for You?

• Huge Coverage: Most of the time, when you are opting for insurance it becomes necessary that it covers all the predictable expenses. But some companies don’t cover all these costs. But with us, you don’t have to worry about it. Our insurance plans will give you huge coverage, enough for all your anticipated expenses.
• Experience: We have been in this business since 1971. Through all these years, we have gathered enough experience to deal with the various needs of our clients. We deal with individuals as well as with companies. So, you can easily call us the one stop solution for all needs regarding insurance.
• Transparency: When you are signing the documents with any private insurance company, it is necessary that the company is transparent enough to lay bare all their clauses. But most of the time, many companies refuse to do that. With SBC Insurance Company, you don’t have to fear for that. We make sure that all our clauses remain transparent to our clients. We believe in building a strong relationship with our clients and for that transparency is important for us.

So, now as you know about our qualities, I am sure you want to get in touch with our team. Call us at 877-329-1150 if you are at Stanford CA or Sunnyvale. Visit www.sbc-insurance.com for more information about our services.

Menlo Park, Palo Alto, Sunnyvale, Stanford CA Insurance from SBC Insurance is affordable peace of mind. Contact us today for insurance.

When you are running a business, it is necessary that you provide your employees with some facilities and provisions. One of such provisions is group health insurance. It is surely beneficial for your employees as they will get the advantage of availing better treatment. But if you are wondering what is the catch in this for you as an employer, then you must know that it can help you with tax benefits and employee retention. So, don’t you think that having this insurance for your employees will be a good choice for you as an entrepreneur? If yes, then you can connect with us at SBC Insurance Services. Our service area covers Los Altos, Menlo Park, Mountain View and Palo Alto.

Are you still in dilemma about whether you should opt for group health insurance or not? If yes, then take a look at the following points. I am sure these particulars will encourage you to opt for this.

Benefits of Group Health Insurance

• Tax Benefits: The facilities that you are going to provide your employees with, will result in a significant amount of tax deduction. So, if you are spending for group health insurance for your employees, then it will be 100% tax deductible according to both state and federal income taxes. You can deduct the cost of premium from the paycheck of your employees before state and federal taxes get calculated. It lowers the amount of your employees’ taxable income too.
• Employee Retention: This insurance plays a huge role in employee retention. It lowers your cost during recruitment and helps in providing better medical facilities. As a result, it improves employees’ health and decreases absenteeism.
• Better Access to Care: Group health insurance will provide your employees with better access to health care. It will not only improve their health but also their morale. Moreover, it can also help you to prevent many workplace health hazards as well.

So, now as you know about group health insurance and its benefits, what are you waiting for? Give us a call at 877-329-1150 to connect with us in Stanford CA or Sunnyvale. You can also visit www.sbc-insurance.com for more information.

Mountain View, Sunnyvale, Stanford Group Health Insurance from SBC Insurance is affordable peace of mind. Contact us today for group health insurance details.

SBC can help you with flood insurance in Menlo Park, Mountain View, Palo Alto or Sunnyvale.

In today’s world of climate change you don’t want to be without flood insurance. Floods have long been the leading cause of property damage and things are getting worse. Weather systems are becoming more severe and flooding can occur in areas you would not have thought possible some years back. In fact, the risk is so great that many insurance companies simply refuse to offer flood insurance. You will find that the standard home owners insurance policy specifically excludes flood insurance.

Insurance companies fear floods partly because the chance of a 100-year flood is higher than the risk of fire. However, fire damage happens in contained locations and can be covered by insurers. This is not true of floods. Floods cause havoc over entire regions in one go and this could mean bankruptcy for an insurer.

That is why you may well need the help of your local insurance agent to find coverage for flood damage. You also need to consider whether you are in a Special Flood Hazard Area (SFHA). The SFHAs are defined on the Flood Insurance Rate Map (FIRM) for a community. You may need to get flood insurance through the National Flood Insurance Program (NFIP).  The government acts as the insurer under the Federal Insurance Administration (FIA) and FEMA. However, this type of flood insurance is offered on a community basis. Your community must participate in NFIP and enforce federal floodplain management regulations to qualify.

SBC insurance can help determine the status of your property and they can help you find the best flood insurance available in your area. The consequences of not having proper flood insurance can be financially devastating.

SBC offers best value car insurance in Los Altos, Mountain View, Palo Alto and Sunnyvale. Best value car insurance means coverage tailored to your needs at a price you can afford.  When it comes to car insurance you have several types of coverages. The first one is liability cover. This is also the compulsory part of auto insurance. The law states that you have a public responsibility to others when driving a vehicle on public roads. This means you need to be in a position to compensate others for damages and losses related to you driving. Liability insurance takes care of that.

Liability cover or 3rd party insurance only covers third parties. It does not cover you for your own damages, injuries or losses. For that you need additional car insurance options. These options include collision insurance and comprehensive. Collision insurance covers you for damages to your vehicle pursuant to a collision or road accident. However, there are risks other than car accidents. These include auto theft, storm damage, vandalism and related acts. To cover you for events other than a collision, you need comprehensive car insurance. If you have other vehicles such as a second car, a boat, a trailer, a motorcycle or a snowmobile, you can extend your auto insurance to cover such vehicles as well.

Coverage is one side of the insurance coin. An independent agent such as SBC Insurance can help you with the right car insurance coverages. The other side of the coin is cost. We all want the lowest possible premiums and your insurance agent can shop around for you and help you find the best coverages at the lowers cost. If you have a good driving record and other positive factors you can get lower rates as well.

If you are motorcycle owner then it is your top priority in insuring the same. Considering its growing demand and the many benefits that this plan offers, we at SBC Insurance offer motorcycle insurance plans of different types and budget range for people residing in and around Menlo Park, Mountain View, Palo Alto, Sanford CA and Sunnyvale. Our staffs are highly skilled and supportive and will guide you all through the selection process to help you make an informed decision. Most importantly, we are a licensed and certified company which means you can count on us confidently.

The SBC Insurance Difference

When you choose us for your two wheeler insurance you can enjoy the following benefits namely,

• It will offer you coverage during a collision where your motorcycle experiences severe damage.
• The comprehensive coverage will help in reimbursing you against other types of bike damage, including those occurring from vandalism, theft and fire.
• It will also provide liability protection. If you collide with a driver and become responsible for his property damage or bodily injury, the liability coverage will help.
• It is vital on your part to stay protected during an accident with a driver that is uninsured. The standard insurance policy will include underinsured/uninsured motorist coverage that will safeguard you against such accidents and thereby help you pay for the lost wages or medical attention that you may need.
• We offer a lot of discounts on these insurance plans, thereby making it affordable and flexible. Resting on the motorcycle model that you have, we will help you choose a policy that will offer you the right coverage.

To know more get in touch with us at the earliest. For your convenience, we are available at your service 24/7 both online and over the phone. Allow us to help you serve better.

Today, our society, indeed, is marked by rising vulnerability to diseases and illnesses. Although the financial implications are many, the preparedness for handling these situations is imperative. So experts from medical and financial domains opine that having a health insurance plan from a reputable provider is the ultimate solution. We at SBC Insurance offer these plans for people residing in and around Menlo Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale.

How it can benefit you?

Regardless of the form it takes, the perks of having the right health insurance plan are many. This plan will help to indemnify you during unexpected financial expenditure that crops up from different medical conditions. Below are some of the ways in which you can benefit from such plans namely,

• In this age of rising medical treatment cost and unpredictability of life, the most vital of all advantages of having this plan is that it will offer you financial protection during such circumstances.
• With several players within the insurance domain, you will have the flexibility of choosing a policy which will both suit your specific needs and your pocket. Family history and pre-existing medical conditions will also help you in deciding the plan that fits.
• This policy will help in extending the cover to the policy holder’s family members

What is not covered?

Health insurance is indeed a blanket term which covers assorted policies such as personal accident insurance and critical illness policy. While every policy possesses a set of exclusions, below is a list of situations which is not covered by these policies namely,

• Treating medical conditions due to war.
• HIV/AIDS
• Hospitalization due to suicide attempt or self injury

In short, this policy is indispensable with regards to safeguarding you and your family financially during an eventuality. To know more call us today.

Flood risks is real and it is high. In fact, with things like climate change, flood insurance is more important than ever before. Storms are likely to become more frequent and more severe. Living without flood insurance is a huge gamble, even in areas that are not considered high risk. What was not high risk a few years ago may well be high risk now.

SBC insurance can hello you with flood insurance in Los Altos, Menlo Park, Palo Alto, Stanford or Sunnyvale. The fact that you have home insurance does not mean that you have flood insurance. Due to the high risk and associated devastation, most insurance companies shy away from flood insurance. That means you standard homeowners policy does not cover you for the kind of flood damage caused by heavy rains, melting snow and severe storms.

There are options when it comes to flood insurance. These include Federal and state sponsored programs. For example, the NFIP (National Flood Insurance Program) provides affordable insurance program to communities that participate in flood management programs.

There may well be other options when it comes to flood insurance and you should discuss these with your insurance advisor.

Bear in mind, it is not only your home that is at risk when it comes to floods. A flood can wash away your car, sink your boat, destroy your business and more. You also need to consider that floods might not be the only disaster excluded from your insurance.

If your normal insurance does not include flood insurance you need to ask yourself:

• What about an earthquake?
• What about windstorm damage?
• What about sinkholes?
• What about a burst dam?

Insurance has exclusions and ceilings. You need to know these things. What is excluded? What is my maximum coverage? I am covered for replacement value of my stuff?

Better to talk to your insurance advisor so you can be sure you won’t end up with the short end of the stick.

If you want a good deal on car insurance in Los Altos, Loyola CA, Menlo Park, Mountain View, Palo Alto or Stanford CA, then SBC Insurance can help. A good deal means you get the right coverage at the best possible price.

SBC Insurance is an independent agency and they have access to some to the top-rated carries in the country. They will assign a professional account manager to help you with all your insurance requirements from car insurance to business insurance.

The question is not whether you need car insurance but rather where you get your car insurance from. Maybe you just need basic car insurance or maybe you need car insurance for classic and collectibles. Whatever the case, a professional agency can help you with the right auto insurance.

When it comes to car insurance you need coverage for liabilities and collision damage. Liability insurance covers you for 3^rd party claims. You may want to consider umbrella coverage if you feel you need liability cover over and above the norm.

Collision insurance covers you for damage to your vehicle pursuant to a road accident or accidental collision. You may want to consider some form of personal injury protection to cover your medical costs should you be injured in a car crash. Comprehensive car insurance could cover you for various consequential damages such as auto theft, smash and grab, road side assistance, alternative transport and so on.

You can also extend your car insurance to other vehicles you might own such as motorcycles, boats, jet skis, RVs, All-terrain vehicles and trailers.

As you can see there is a lot more to car insurance than one might think. It is always a good idea to discuss your requirement with an insurance agent so you can have peace of mind that you have the right coverage at the right price.

Insurance plans and its practical benefits

Most people ignore to invest in an insurance plan till they fall into trouble. Uncertainty and loss are a part and parcel of every individual’s life, so why become its victim when there are good solutions available in the market. Considering its importance in our day to day life we at SBC Insurance offer a wide range of plans and coverage to eliminate the different forms of risk. People residing in and around Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford, CA and Sunnyvale can make the most of our services.

Why insurance plays a vital role in our life?

• First and foremost, it will reduce uncertainties and provide financial support in both human life and business. People always have a fear, especially of a sudden loss and our policies will offer a cover from any sudden loss to help you enjoy peace of mind
• It can help in generating funds via collecting premium which in turn is used for the country’s economic development
• Along with offering protection against uncertainties and risks, these plans will offer an investment channel as well. It is a kind of investment and will build the habit of saving. The insured will receive the amount during the maturity of their contract. In short, it will encourage savings
• It will help in mitigating loss, financial stability as well as help in promoting commerce and trade activities that promote economic development and growth
• Anybody can fall ill unexpectedly. Medical expenses are one of the biggest concerns so investing in a medical insurance plan is a wise step. It will cater to different health risks
• It is a vital resource of capital formation

For more information on our different insurance plans and how it can benefit you, please feel free to call us or drop us a mail. We look forward to help you in the best way possible.

Why boat insurance matters?

No matter you are an avid boater or planning to purchase one, it is extremely vital to invest in the right boat insurance coverage. Although as auto accidents, boat accidents do not take place so frequently, but it is crucial on your part to safeguard your boat. If you wish to purchase an insurance plan for your boat call us at SBC Insurance. Our staffs will guide you all through the selection process to help you make an informed decision and make sure that the investment that you have made remains protected. Our service areas include the different parts of Los Altos, Loyola CA, Menlo Park, Mountain View, Palo Alto and Stanford CA.

The benefits in abundance

When you invest in the right insurance plan from us you can enjoy the following benefits namely,

• Flexibility- With the different liability limits, additional coverages and a range of deductibles, such insurance plans and rates indeed are quite flexible.
• Covers property damage- taking into consideration how expensive property damage to a boat can be, a key advantage of insuring your boat is its ability of offering coverage for such damage.
• Protection against injuries and accidents- another advantage of such policy is their ability of offering medical payments coverage for assisting you in financing the expenditure related to watercraft related injuries. In its absence if you need being hospitalized due to an injury you could become a victim of financial predicament
• Liability coverage- boaters are well aware that accidents can take place in the water. If you are at fault, that includes other watercraft or person, you will require liability insurance for covering the damages. Boat accidents indeed can be quite expensive, so having the right coverage is crucial

So next time you need an insurance for your boat you know whom to contact right? For more information, please call us or share your queries through the mail. Allow us to help you serve better.

Types of life insurance policies

Life insurance provides a way to protect you and your loved ones when the unthinkable happens. SBC Insurance can help you with the right type of life insurance in Mountain View CA, Sunnyvale VA, Palo Alto CA, Cupertino CA, Los Altos CA or Sanford CA. They also offer life insurance solutions to employers who can then offer workers more attractive benefits. This enables employers to add group benefits to the employment conditions, making certain positions more attractive to workers or potential employees.

Life insurance can be divided into group life, keyman life, permanent life, whole life, universal life, term life, health and disability. There are many complex options and it is a good idea to get expert advice before deciding which type of life insurance is best for you, your business and your employees. There are many things to consider from a business and individual perspective. These include changing legal requirements, group demographics, eligibility, customer needs, policy options and more.

When it comes to straight life insurance there are two major groupings namely whole life and term. Whole life is also referred to as permanent life. Each has certain sub-groupings. For example, whole life can further be categorized into traditional life, universal life and variable life. Term live can be divided into level term and decreasing term.

Whole life or permanent insurance pays a death benefit to your named beneficiaries when you die, even if you live to a ripe old age. Term life will pay a death benefit if you die within the valid term of your policy.

Other things to consider are endowment or investment options. A life insurance policy can be structured to accrue an investment value over time. A small portion of your premium can be used for investment purposes.

Car insurance coverage and cost

If you own a car, then car insurance is as much a certainty as taxes. It is illegal to drive a car without some form of auto insurance. SBC Insurance can help you with best value car insurance in Mountain View CA, Sunnyvale VA, Palo Alto CA, Cupertino CA, Los Altos CA and Sanford CA. If you get caught driving without auto insurance, you will find yourself on the wrong side of the law. Apart from fines and other penalties, you may well be ordered to SR 22 filing.

Car owners face many risks and it is smart to protect your financial interests should something bad happen. One of the major risks is injury and / or damage to others. If your negligent or reckless driving results in harm to loss to others, you will be sued. That is why the law requires you to carry liability or 3^rd party insurance.

You also need to consider your own risks and losses. The biggest risk is probably that of a road accident. That is why you need collision insurance. This type of coverage will pay for the repairs of your ride following a road accident. You may also want to consider some form of comprehensive insurance to cover other risks such as auto theft, storm damage, vandalism and so on.

Coverage is one side of the insurance equation. When you arrange car insurance through a reputable dealer you will get the coverage that you need. You will also get it at an affordable price. That is because an independent agent has access to several plans from various carriers and can select the best one for your circumstances.

If you have a good driving record and other positive factors that lower your perceived risk, you will be able to negotiate cheaper rates as well.