Whether you are attending the University of California-Berkeley or working at XOMA, you're going to need the proper insurance to keep you and your family protected. We can help—start below by reading about the different types of insurance typically offered.
Berkeley car insurance
Like it is almost elsewhere in America, auto insurance is mandatory in California. State law requires drivers to carry minimum liability car insurance in the amount of $15,000 per person, $30,000 per accident for bodily injury liability, and $5,000 of property damage liability coverage. As these amounts are rather low, you may want to consider raising those amounts, especially since there were 4,236 traffic-related fatalities in California in 2006.
In the city of Berkeley, the number of car thefts has risen and fallen over the past decade. With 995 cars stolen here in 2007, however, you should consider putting theft coverage on your vehicle when you get car insurance, even though California state law does not require it.
Berkeley health insurance
On the whole, Berkeley boasts a relatively healthy community. Overall life expectancy increased from 77 to 83 between 1999 and 2007, and the numbers of both AIDS cases and deaths are lower than they are for Alameda County. The death rate is a little over 6 for every 1,000 people, and falls far below the nationwide average of 7.7 per 1,000 people.
Every state has its own mandates that dictate what health plans should have, and what types of coverage should be required. In California, health insurance companies are mandated to provide coverage for needs ranging from diabetes supplies, to prostate cancer screenings, to drug abuse treatments.
Berkeley life insurance
As with anywhere, there is always a potential for a death to occur in your family while you are living and working in Berkeley. According to the Centers for Disease Control, almost 27,400 people reported having cancer in the Bay Area alone. We're sure you would want to make sure your family was taken care of financially in the event of your death.
Unlike other types of insurance, where you live does not affect your life insurance premium. Life insurance companies are more concerned with your age, weight, whether or not you smoke, your medical history, and whether you have any serious illness or disease at the time you apply for life insurance. We can help you obtain the best life insurance plan that fits your individual needs and budget.
Berkeley homeowner's insurance
We understand the specific needs of Berkeley homeowners. In 2006, the National Association of Insurance Commissioners estimated that residents of California paid the 7th highest homeowner's insurance premiums in the country.
In Berkeley the average household has two residents and the median home price is $405,200, according to City-Data.com statistics – so homeowner's insurance is especially important in order to protect the high value of your home. We can get you quotes from some of the best Berkeley homeowner's insurance companies to offer you the best savings and service for your family.