Auto
close

Auto Insurance

Auto coverage is designed to provide protection in a number of ways; bodily injury protection, liability coverage, comprehensive and collision coverage. Additional coverage such as rental reimbursement, towing coverage, accident and minor violation forgiveness are also some of many additional coverage options.

Skip the lengthy quote forms and let us serve you directly, we can tailor the coverages to fit your personal needs.

 
Age
 

Premiums tend to become lower at the age of 25. A teenager driving a safer car, such as a sedan rather than a flashy sports car, can also get lower insurance rates. Senior drivers are often eligible for retirement discounts, reflecting the lower average miles driven by this age group.

Driving history
 

In most states, moving violations, accrue points on a driver's record. Since more points indicate an increased risk of future violations, insurance companies periodically review drivers' records, and may raise premiums accordingly. A good driving record will be rewarded with a lower premium.

Marital Status
 

Statistics show that married drivers average fewer accidents than the rest of the population so policy owners who are married often receive lower premiums than single persons. Let us know when your marital status changes so we can adjust your rate accordingly.

 
"Let us provide a free quote for your auto insurance, we're confident we can make an impression."
 
Home
close

Home Owner's Insurance

Each home insurance policy is different, but standard policies usually provide broad coverage for damage to your house and any permanent structures on your property and damage to your personal property. Homeowner's insurance also gives you liability insurance for covered causes of loss. There are a number of coverage options, including earthquake and flood insurance. We'll discuss these options when quoting your insurance.

 
Dwelling
 

Covers the value of the dwelling itself. Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. This is in place to give a buffer against inflation.

Personal Property
 

Personal property coverage protects items whose value exceeds the coverage available under your homeowners policy. Jewelry, cameras, musical instruments, expensive silverware, china, crystal, sporting equipment, fine arts, rare coins, postage stamps, guns, computer equipment and more.

Additional Coverages
 

Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils, fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse,and some building additions.

 
"Quote about Home Owner's coverages."
 
Additional Coverages
close

Additional Insurance

We provide insurance solutions for the following items;

 
Renter's Insurance
 

If your possessions are stolen or damaged by a fire or severe weather, a renters insurance policy will allow you to recover the lost value. If someone is injured during an accident in your home, renters insurance will help protect you in the case a liability lawsuit.

Motorcycles
 

Coverage for most trikes, limited production bikes, vintage bikes, custom bikes, and assembled or kit bikes. Collision, Theft, Vandalism, and Damage caused by uninsured or under insured drivers.

Watercraft
 

This coverage is for many kinds of watercraft; like jet boats, sailboats, fishing boats, or house boats. Your watercraft needs protection on the water, and on land, with coverage for you, your guests, and your boat.

RV's
 

RV's are a special unit, and they require specialized RV insurance. We can include a variety of coverage options including: increased limits of liability, uninsured motorist, accessory coverage, liability, unlimited towing and roadside assistance.

Trailers and more!
 

Sport and utility trailers for your favorite activities need coverage as well. Liability, Roadside Assistance, Contents replacement, Comprehensive, and more.

 
"Have fun, explore the world, and know that your assets are secured."
 
Desert
 

Personal Insurance

As an independent agency, Sandin Insurance Group has access to many preferred insurance companies. Unlike many of the companies you see advertised on commercials, independent agencies access insurer's not accessible to the general public.

Why is this valuable to you? Often times, working through an independent agent can accrue higher price savings. Beyond price, there is no fee associated in placing your personal insurance through our firm. Let us find you the best price, and lend our expertise in helping you decide the best coverage options to fit your needs.

 
"Call Team Sandin today and secure your assets with personal insurance coverage!"