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  • Personal Auto Insurance

    Riley & Riley represents some of the most competitive insurance carriers in the industry. In addition to being priced competitively they offer excellent coverage’s. In the event a loss occurs you can depend on the stability of these carriers to represent you in your time of need.

    Our agency would love the opportunity to provide you with an analysis of your coverage’s and provide a quote that would allow us to be “Your Insurance Home”. Get coverage for:

    • Bodily Injury Liability-death or accidental injury of another person.
    • Collision- covers the damage from accident regardless of fault.
    • Defense Costs- cover attorney’s fees, courts costs, and other legal expenses.
    • Other than Collision (damage from fire, theft, flood, etc.)
    • Property Damage Liability- covers damage done to other people’s property.
  • Homeowner's Insurance

    Your home is your safe haven, and very likely one of your greatest economic investments. The thought of anything happening to your home is terrifying. It is our goal at Riley and Riley Insurance to eliminate that fear by creating a custom Homeowner’s Policy for you. We use precise planning and forethought to create the best policy to fit your needs.

    Riley and Riley will find you not only an affordable policy, but also a policy that you can be confident to provide coverage for the things you define as important to you (your home, valuables, personal possessions, etc.).

  • Earthquake Insurance

    A standard homeowner policy does not cover damage done by an Earthquake. Living in California the possibility of damage done to your home and possessions is very real let us provide you with a policy that will provide coverage for your most prized possession (your home).

  • Flood Insurance

    Flood damage similar to earthquake damage is not included in the protection of a standard homeowner’s insurance policy. Riley & Riley will help you establish the best flood coverage for your property. It is essential to recognize that local government only allows flood insurance if they have approved flood regulations. Let us find the proper policy for you.

  • Dwelling Fire

    Residences that are not considered permanent occupancy such as rental property, and secondary homes are protected under Dwelling Fire Insurance. If your property is under construction, currently vacant, or you are a landlord we recommend you get Dwelling Fire Insurance to insure protection to your property.

  • Mobile Home

    Riley & Riley specialists will work with you to create an appropriate coverage for your current living situation. Insurance for your mobile home can also include coverage for attachments to your mobile home such as; patios, awnings, garages, and sheds and can be included under mobile home policies. Our carriers specialize in writing mobile homes, and offer quality coverage’s and very competitive prices.

  • Motorhome/RV Insurance

    It is important to know that Motorhome/RV insurance is not the same as automobile insurance. Under RV Insurance one can actually get coverage’s that offer protection for your possessions, traveling companions, family members, and lets not forget you.

    Here are a few features motor home liability insurance can cover:

    • Protection for the loss of personal possessions not part of the vehicle (including appliances, clothing, and other belongings)
    • Coverage for expenses acquired during an emergency (for example hotel costs and temporary stand-in vehicles)
    • Protection for permanent attachments to the motor home (ie: awnings)
    • Coverage for roadside assistance and towing

    Get your coverage today so you can travel with peace of mind tomorrow!

  • Motorcycle Insurance

    The state of California requires that all motorcyclists carry insurance covering accidents and injuries while on their motorcycles. Whether you've just purchased your first motorcycle, or whether you're an experienced driver looking for a better rate, the last thing you want to worry about while you’re on the road is whether or not you’ll be able to afford an accident. The experts at Riley & Riley can help you insure your beloved bike with the best motorcycle insurance plan for you.

    Riley & Riley offers motorcycle insurance policies for riders of both two-wheel and three-wheel bikes. As with auto insurance, the cost of your motorcycle insurance coverage can depend on a number of considerations, including the type of bike itself, your location, driving record, age, and a number of other factors.

    Our motorcycle insurance policies cover a variety of bikes:

    • Scooters
    • Mopeds
    • Classic, standard, and custom motorcycles
    • Trikes
    • Cruisers
    • Street bikes and more

    Aside from simply handling the cost of repair or replacement of your bike in the event of an accident, our motorcycle insurance policies cover other typical expenses that occur during vehicle accidents, including:

    • Costs associated with bodily injury to yourself or others involved in the accident
    • Costs of any property damage you caused with your motorcycle
    • Costs associated with motorcycle theft or vandalism
    • Costs of damage sustained while your bike is in storage (e.g. water or smoke damage).
  • Renter's/Umbrella Insurance Policies

    Are you currently renting? If you answered yes to that last question did you know that your personal property is not covered by your landlord's insurance? If you do not currently have a tenant / renter's insurance policy, Riley & Riley Insurance will design a plan that best fits your needs as a renter to help protect your personal belongings.

    Personal Umbrella Insurance

    If you have a family to provide for, a lawsuit is an expensive event that may prevent you from taking care of them. The typical auto, homeowner's, policy covers only a limited amount of liability, this may leave you and your loved ones with costs above your ability to pay. This concern is exactly what Personal umbrella insurance covers.

  • Valuable Articles Insurance Policies

    Do you own a special piece of jewelry handed down to you from a family member or jewelry that is expensive? Or maybe you have a piece of furniture in your house that is an antique. How would you feel if something happened to that important possession? Is that item covered under any of your insurance policies?

    Don’t wait to find out that answer when it is too late. Protect your investments before something happens to them.

    Renter’s and Homeowner’s insurance don’t necessarily always cover these important belongings and sadly sometimes they don’t cover them at all. Make sure that any items you own with monetary or sentimental value are covered by Valuable Articles Insurance. Losing an antique or valuable unexpectedly is hard to deal with let us take care of the worry of that loss for you.

    Valuable Articles Insurance services cover expensive belongings, such as:

    • Jewelry, furs & Guns
    • Antiques & silver
    • Fine art, and valuable collections

    We can insure these items at their appraised values and provide broader coverage to cover the treasured items.

  • Individual & Family Health Insurance Policies

    Individual or personal health insurance is the recommended option for Texans who do not receive medical insurance from their employers but still need coverage for their families and themselves. Individual health insurance also applies to the self-employed, unemployed, and students.

    One major drawback that people find of not being on an employer's group health insurance policy is that coverage is not guaranteed, and an insurance company can turn you down either partially or entirely for an existing condition. Additionally, some insurance companies will charge higher premiums for applicants who are deemed higher risk (e.g. smokers) or who have pre-existing conditions. The Dean & Draper insurance team will make sure you find the most affordable individual insurance plan that offers the maximum coverage you and your family need.

    Individual Health Insurance Plans come in many forms, including:

    Health Maintenance Organization (HMO) Plans

    HMO family medical insurance plans provide you and your family a network of physicians from which you must choose all your medical care.

    Preferred Provider Organization (PPO) Plans

    Like HMO plans, PPO plans give you and your family a network of physicians from which to choose. While you may choose a healthcare provider outside your network with your PPO plan, doing so is more costly.

    Point-of-Service (POS) Plans

    Point-of-Service plans require you to choose a primary physician within your network but allow access to specialized physicians outside the network.

    Health Savings Account (HSA) Plans

    HSA plans allow you to set aside tax-free funds into a savings account designed to be used for just about any medical care services you or your family need.

Personal Auto Insurance

Personal Auto Insurance

  • Bodily Injury Liability - covers accidental injury or death of another person if caused by you in an automobile related accident.
  • Property Damage Liability - covers accidental damage to other people's property if caused by you in an automobile related accident.
  • Defense Costs - covers court costs, legal expenses and attorney's fees.
  • Collision - covers you for damage to your car in an accident, regardless of who was at fault.
  • Other Than Collision - covers your car against damage from fire, lightning, flood, theft, glass breakage, falling objects, and other specified perils.
  • Medical Payments - covers you and your family in any car, and anyone riding in your car for medical expenses resulting from an accident.
  • Uninsured / Underinsured Motorist - covers injury suffered by you, your family, and anyone riding in your car against the uninsured / underinsured or hit-and-run driver.

Homeowners Insurance

Homeowners Insurance

Your home is most likely the largest financial investment you've ever made. It's where you and your family come to at the end of a long day to rest, recharge, and be together. It's probably difficult to imagine what you'd do without your home. Riley & Riley Insurance want to take away some of that worry.

Our insurance policies are designed to give you maximum coverage of your home, your personal possessions, your valuables, and most importantly, your family - all at an affordable price.

Homeowner's insurance protects your house & its contents during a number of unpredictable events, including:

  • Burglaries, vandalism, and other civil disturbances
  • Weather emergencies
  • Fires, injuries, and other accidents occurring on your property
  • Lawsuits related to any of the above

Flood Insurance

Flood Insurance

Riley & Riley Insurance wants to make sure all homeowners are insured for the unpredictability of Mother Nature. Those living in low-lying potential flood zones are particularly at risk. Flooding is not covered by a standard homeowner's insurance policy, and flood insurance is only available where the local government has adopted adequate flood plain management regulations.

The flood insurance agents at Riley & Riley will work together with you to determine if you qualify for flood insurance under the National Flood Insurance Program (NFIP) and help you identify the best flood insurance policy for your purchase as well as any discounts you may qualify for.

Affordable Personal Flood Insurance

Buying a residential flood insurance is actually quite affordable compared to other types of insurance, and with flood insurance, you qualify for reimbursements regardless of whether or not your area was deemed to be a federal disaster. Ask yourself which cost you're willing to bear: a few hundred dollars every year for a flood insurance premium or potentially tens or even hundreds of thousands of dollars in repairs and replacement of property and personal possessions. The math couldn't be any simpler.

Dwelling Fire

Dwelling Fire

Dwelling fire insurance is the recognized coverage choice for those looking to safeguard their rental properties, seasonal and secondary homes, and other residences without permanent occupancy. Dwelling fire insurance differs from homeowner's insurance in that the policy holder must be a permanent resident to qualify for homeowner's insurance. Those in need of dwelling fire insurance policies include landlords, investment property owners, and people who own properties that are currently vacant, including homes under construction. Riley & Riley aims to be your fire insurance company of choice and provide you the best coverage possible.

Dwelling fire insurance policies cover homes that suffer:

  • Fire and smoke damage
  • Ice and sleet damage
  • Hail and lightning damage
  • Explosions
  • Vandalism, burglaries, and civil disturbances
  • Damage caused by aircraft or other vehicles

Home fire insurance covers not only the structure of the house itself but other additional attachments to the home, including interior elements like woodwork, countertops, and plumbing as well as outside additions like garages and sheds.

As dwelling fire insurance is more specialized than homeowner's insurance, it is slightly narrower in its scope and is not offered by every insurance agency. Riley & Riley Insurance proudly works with a number of exceptional fire insurance companies in California and throughout the United States. We promise to help you sort through the legalese to buy the best property fire damage insurance policy at the best rate.

Mobile Home Insurance

Mobile Home

Today, mobile / manufactured homes are utilized in a variety of ways in California. Many people choose mobile homes as their primary place of residence, because they feel they are more affordable and energy-efficient. Some appreciate the mobility of a manufactured home. Others find mobile homes to be a great investment opportunity and purchase them for leasing purposes. Regardless of what category you fall under, your manufactured / mobile home insurance needs will vary. Riley & Riley will work together with you to ensure that you have proper coverage for your current situation.

Mobile / manufactured homes are constructed in factories that conform to U.S. Department of Housing & Urban Development (HUD) standards, making them arguably safer than traditional homes built on-site. As they are manufactured indoors, they are built more quickly than traditional site-built homes and offer the same types of custom design options for you to personalize your home. As such, manufactured homes are an ideal choice for many people throughout the state of California.

Mobil Owners Insurance Policies

Mobile home owner insurance is recommended for both owners and renters, even if the occupant will only temporarily be living in the home. Most policies will cover damage from:

  • Fire & explosions
  • Theft & vandalism
  • Windstorms, hail, & ice
  • Burst pipes & more

Coverage can also apply to attachments to the home, including patios, decks, garages, and sheds. Depending on your policy, your mobile home insurance can provide protection for specific valuables like jewelry, firearms, and other personal possessions. For additional coverage for your most expensive possessions, we also offer valuable articles insurance at a modest add-on rate.

Motorhome/RV Insurance

Motor home and RV enthusiasts embody the undeniable American spirit of exploration and independence.  These are people who are not content with the status quo; they long to discover life out on the open road without the constraints of the office, the in-laws, and the noisy neighbors.  As a motor home owner, you expect a lot out of your recreational vehicle, and you should expect just as much from your motor home / RV insurance.

Contrary to what many people believe, motor home insurance is not the same as automobile insurance.  In fact, motor home insurance policies offer many benefits aimed at protecting not only you and your family but your traveling companions and possessions as well -- none of which are even an option with auto insurance.

Some of the features of motor home liability insurance include:

  • Coverage for the loss of personal possessions not part of the vehicle (including appliances, clothing, and other belongings)
  • Coverage for emergency expenses (including accommodations and temporary replacement vehicles)
  • Coverage for permanent attachments to the motor home (including satellite dishes and awnings)
  • Coverage for towing and roadside assistance

Motor home insurance applies to all types of specialized recreational vehicles:

  • Motor homes
  • Fifth wheels
  • Camper vans
  • Travel trailers
  • Truck campers and more

Riley & Riley represents a number of top-rated motor home / RV insurance companies, so we can help you find the best coverage at the lowest rate for your motor home and recreational vehicle insurance. 

Motorcycle Insurance

Motorcycle Insurance

The state of California requires that all motorcyclists carry insurance covering accidents and injuries while on their motorcycles. Whether you've just purchased your first motorcycle, or whether you're an experienced driver looking for a better rate, the last thing you want to worry about while you’re on the road is whether or not you’ll be able to afford an accident. The experts at Riley & Riley can help you insure your beloved bike with the best motorcycle insurance plan for you.

Riley & Riley offers motorcycle insurance policies for riders of both two-wheel and three-wheel bikes. As with auto insurance, the cost of your motorcycle insurance coverage can depend on a number of considerations, including the type of bike itself, your location, driving record, age, and a number of other factors.

Our motorcycle insurance policies cover a variety of bikes:

  • Scooters
  • Mopeds
  • Classic, standard, and custom motorcycles
  • Trikes
  • Cruisers
  • Street bikes and more

Aside from simply handling the cost of repair or replacement of your bike in the event of an accident, our motorcycle insurance policies cover other typical expenses that occur during vehicle accidents, including:

  • Costs associated with bodily injury to yourself or others involved in the accident
  • Costs of any property damage you caused with your motorcycle
  • Costs associated with motorcycle theft or vandalism
  • Costs of damage sustained while your bike is in storage (e.g. water or smoke damage).

Renters Insurance Policies

Renter's Insurance Policies

If you rent an apartment, condominium, or house anywhere in California your personal property is not covered by your landlord's insurance, which leaves you susceptible to the high costs of replacing possessions lost during an accident, burglary, inclement weather, or other emergency. Many landlords don't even require their tenants to purchase renter's insurance. If you do not currently own a tenant / renter's insurance policy in California, Riley & Riley Insurance can guide you to determine what plan best fits your needs.

Tenant / renter's insurance policies cover a number of areas:

  • Personal property, including furniture, electronics, and clothing
  • Food & other living expenses, including temporary alternative housing
  • Additional unique items, including jewelry, art, collectibles, and expensive electronics. Such items are covered by special endorsements from Riley & Riley. Learn more about what is covered in a valuable articles insurance policy.

Keep in mind when choosing an apartment or home renter's insurance policy:

It is vitally important to know the exact value of your property, so you ensure complete coverage should anything happen to your home. Riley & Riley will make sure you take all possessions into consideration when determining the total value of your items.

For additional security, you can protect yourself from liability of injuries sustained by others while in your rental home.

Although the cost of renter's insurance policies varies from one provider to the next, the average tenant pays a rate of around $10-$20 per month, a small price to pay for the security of knowing you will be taken care of in the event of an incident at your rented home.

Personal Umbrella Insurance

No one ever expects to be faced with a lawsuit, but unfortunately, it happens. The costs of a court battle are often so steep that the defendant is forced to sell his or her home, car, or other important possessions. If you have a family to care for, a lawsuit is an expensive embarrassment that can prevent you from providing your spouse and children the life they deserve. The typical auto, homeowner's, or watercraft insurance policy handles only a limited amount of liability, leaving you and your family with costs above and beyond their coverage. Personal umbrella insurance is designed for just this problem.

What is a Personal Umbrella Liability Insurance Policy?

In short: personal umbrella insurance coverage in California protects you from costs beyond what your existing insurance policies take care of. For example, you cause a major car accident that costs more than your insurance covers you for. Once your auto insurance has been exhausted, your umbrella insurance jumps in to cover remaining expenses. Riley & Riley recommends adding personal umbrella insurance to their existing personal insurance policies, so they do not incur charges like medical bills, lost income, and even attorney costs related to an accident or other act of negligence. 

Valuable Articles Insurance Policies

Valuable Articles Insurance Policies

We all have possessions at home that are important to us either because of their monetary or emotional value. Items we inherited from our grandparents, diamonds, pearls, and other unique and expensive jewelry, antique collections: these are the items we cannot afford to lose.

 

Often, people find out too late that their renter’s and homeowner's insurance policies only cover a portion of the cost of these important personal possessions or, worse, do not cover them at all. Whether because of a theft, fire, simple misplacement, or other incidents, once those items are gone, they're gone for good. Riley & Riley Insurance offers valuable articles insurance to safeguard your investments in the event of such losses.

Our valuable articles insurance services cover expensive and valuable personal belongings, including:

  • Jewelry & furs
  • Antiques & silver
  • Fine furniture
  • Instruments & fine art
  • Laptops, cameras, & other costly electronics
  • Stamp collections & wine collections
  • Inherited items
  • Other unique & rare collectibles and personal effects

We can insure these items at their appraised values separately through specific limit endorsements to your basic homeowner's insurance, renter's insurance, or condominium insurance policies. These endorsements provide broader coverage and eliminate the deductibles.


  • Thank you for being there for all of our insurance needs for so many years. Very happy with the new office location and the new Staff is friendly helpful and very welcoming thank you.

    Mr. & Mrs. Snyder


  • We received fast friendly service from the amazing staff at R&R, after just a few simple questions they were able to save us big money on the right policies.

    Randall


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    Sherrie Flores


  • Always has the time, follows up well.

    Terry & Cheryl Ivaicoli


  • It's tough to take on all our many vehicles and properties and constant vehicle changes, we truly appreciate all you do for us.

    Dave & Heather Victorino