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Auto Insurance & Motorcycle Insurance
The vast majority of us have at least one vehicle that we use to get to and from work, get groceries, and do other trips. From a small commuter car to an SUV and everything in between, including EVs as well as motorcycle insurance, and other vehicles, we can help you find the right coverage. And while you may think that auto insurance is easy, there are separate components that you can adjust to customize your auto insurance. While there are minimums required, those minimums are much too low for most people, and you don’t want to find out just how much you are on the hook for when your insurance runs out.
Homeowners Insurance
Your home is your castle, so to speak, and you need to protect this investment. You’ve put a lot of resources into your home and you don’t want it all wiped out without some way to rebuild and replace it. Homeowners insurance is that mechanism that allows you to repair and rebuild your home after a huge disaster, a tree falling on part of your home, or other situations. And don’t forget that you may have some special items that require their special riders to your home insurance, such as jewelry, artwork, or other unusual items that you store at home.
RV Insurance, Renters Insurance, & Flood Insurance
Beyond the usual kinds of insurance, there are other insurance coverages for different situations. If you rent an apartment, for example, you should have renters insurance for all of the things that you own. Your landlord will have a separate insurance policy for the building, but anything you own is your responsibility. If you live in a mobile home these have separate insurance policies to deal with their different structure. Owning a recreational vehicle typically requires RV insurance. If you live in a flood-prone area, having flood insurance is a must as most regular home insurance policies do not cover this situation.
Rental Property Insurance
You may be the landlord and rent out a house or a duplex. You will need to have a separate rental property insurance policy that covers the building itself, but not the contents. Anyone that you rent to should have their own renters insurance to protect them in case of theft, fire, natural disaster, or other situations. The building is your responsibility as the property owner, and with it being a significant investment you will want to protect it.
Business Insurance
Commercial insurance is a catch-all that covers nearly any kind of business enterprise and is a collection of insurance policies. While there are business owners’ policies that generally include a few of the most common insurance policies, there are many other insurance policies that apply to different industries, such as professional services like attorneys, contractor insurance, trucking outfits, and more. Because there are so many options it is best to work with an insurance professional to ensure you have the right business insurance in place.
Workers Compensation Insurance
Workers compensation insurance is a required business insurance when you have employees in the business. This helps to deal with injuries that happen at work and solve a lot of issues without the hassle of having to fight for coverage, etc. From covering medical costs due to a work-related injury to lost wages as well as legal fees for dealing with lawsuits, workers’ compensation insurance is a must-have policy that provides a host of coverages for different issues.
Contractors Insurance & Small Business Insurance
Electricians, plumbers, HVAC specialists, and many others are considered contractors and they have their unique situations for their jobs. Like many other business insurances, contractors’ insurance is several policies that are tailored to specific businesses. Contractors’ insurance can cover a work vehicle, work tools, equipment, and even materials used in the process of doing a job and the transport and storage of these materials. From liability insurance to property insurance and vehicle insurance, small business insurance and contractor insurance provide the base of protection to allow you to continue doing your business, from being a handyman to landscaping and more.
Areas Served in San Luis Obispo County, CA
We provide the following services in San Luis Obispo County, CA.
- Arroyo Grande
- Atascadero
- Avila Beach
- Baywood Park
- Blacklake
- California Valley
- Callender
- Cambria
- Cayucos
- Cholame
- Creston
- Edna
- Garden Farms
- Grover Beach
- Halcyon
- Harmony
- Lake Nacimiento
- Los Berros
- Los Osos
- Los Ranchos
- Morro Bay
- Nipomo
- Oak Shores
- Oceano
- Paso Robles
- Pismo Beach
- Pozo
- San Luis Obispo
- San Miguel
- San Simeon
- Santa Margarita
- Shandon
- Templeton
- Whitley Gardens
- Woodlands
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A MESSAGE FROM THE OWNER
“For over forty years I’ve worked in the insurance industry and I’ve witnessed many changes over the years in technology, carriers, and the way clients and insurance companies interact. We’re an independent agency for a reason. Being independent means we can focus on meeting your personal insurance needs instead of worrying about pleasing some insurance company. Throughout my career, I’ve learned that there’s simply nothing that takes the place of personal service. Technology has made it easier and more efficient to get things done, but being there to answer questions, offer explanations, and help when the unexpected occurs can’t be handled by a computer. Here at Arnoldussen & Associates Insurance Services, we’re just real people, providing real coverage, for real life, delivered with integrity.”
John Holmes, Owner
Arnoldussen & Associates Insurance Services
