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California Casualty Insurance coverage Firm Assessment

Ashley Dannelly has a Grasp of Arts in English and teaches English at Columbia Worldwide College and different increased schooling establishments. She can also be an authorized private coach with the American Council on Train and trains shoppers in each particular person and group settings.
Ashley’s background in English and health has allowed her the chance to write down and create content material for a lot of …

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Ashley Dannelly

Licensed Private Coach

Ashley Dannelly

Rachael Brennan has been working within the insurance coverage business since 2006 when she started working as a licensed insurance coverage consultant for twenty first Century Insurance coverage, throughout which period she earned her Property and Casualty license in all 50 states.
After a number of years she expanded her insurance coverage experience, incomes her license in Well being and AD&D insurance coverage as properly. She has labored for small well being insu…

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Reviewed by

Rachael Brennan

Licensed Insurance coverage Agent

Rachael Brennan

UPDATED: Apr 24, 2022

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Here is the Scoop

  • California Casualty affords over a dozen insurance coverage merchandise in all states besides six
  • This firm sells insurance coverage to academics, nurses, firefighters, and legislation enforcement officers
  • Clients usually depart optimistic opinions, and the Higher Enterprise Bureau provides them an A+

Some firms deal with promoting a particular kind of insurance coverage to hone their course of and supply a streamlined product. Others forged a large internet of merchandise so they could be a one-stop-shop for his or her prospects.

California Casualty is likely one of the latter. Catering completely to academics, firefighters, cops, and nurses, California Casualty desires to have a good time the individuals who help their communities. With over a dozen merchandise starting from basic automotive insurance coverage to snowmobile protection, it has one thing for everybody.

You’ll be able to discover what California Casualty has to supply beneath. If this firm looks like a superb match on your wants, you possibly can examine quotes with different firms to make sure you get the most effective charges doable.

What’s California Casualty Insurance coverage firm?

Based in 1914, California Casualty’s title is slightly deceptive. It sells insurance coverage merchandise all through the U.S. apart from in Washington, New York, Massachusetts, Hawaii, Michigan, and Alaska.

California Casualty has a particular mission of promoting insurance coverage. It desires to guard folks that serve their native communities. To that finish, California Casualty sells completely to firefighters, legislation enforcement officers, nurses, and educators.

This California-based firm sells a wide range of insurance coverage merchandise, which you’ll be able to find out about beneath.

California Casualty Automobile Insurance coverage

As a automotive insurance coverage supplier, you should purchase the usual protection merchandise discovered by most opponents. These embrace:

  • Legal responsibility. Legal responsibility insurance coverage covers harm you trigger to different folks and property. Most states require a minimal quantity of legal responsibility protection earlier than you possibly can legally drive.
  • Collision. Whereas legal responsibility covers harm you trigger to different folks, collision covers harm accomplished to your automotive in an accident. Collision covers you regardless of who causes the accident.
  • Complete. This protection protects your automobile from harm outdoors of accidents. This consists of harm from fireplace, climate, theft, vandalism, and animal contact.
  • Underinsured/underinsured motorist. Whereas most states require drivers to hold insurance coverage, not all drivers obey the legislation. Uninsured/underinsured motorist protects you from drivers with insufficient insurance coverage.
  • Medical funds. Being injured in a automotive accident comes with giant medical payments. If you are going to buy medical funds protection, your insurance coverage will assist pay for it.

Whereas these are the usual sorts of insurance coverage, California Casualty affords a number of add-on choices to extend the worth of your coverage. They’ve add-ons crafted particularly for neighborhood servants, particularly for firefighters and cops. These embrace:

  • Turnout gear and firearms protection. In case your firefighting or legislation enforcement gear is stolen, broken, or destroyed in your automobile, California Casualty will restore or change it.
  • Pet harm. So long as the incident is roofed, California Casualty will assist pay for vet payments in case your pet is injured.
  • Customized or non-factory tools. Folks typically take pleasure in upgrading or customizing their vehicles, however insurance coverage often doesn’t cowl customized elements. Nevertheless, this characteristic will cowl non-factory elements.
  • GAP protection. In the event you complete a brand new automotive, you would possibly owe extra in your mortgage than the automotive is price. GAP protection pays the distinction between your mortgage and the worth of your automobile.

Within the spirit of celebrating neighborhood servants, California Casualty additionally affords sabbatical return advantages and a fallen hero/fallen survivor profit.

California Casualty Dwelling Insurance coverage

For educators, nurses, firefighters, and cops, California Casualty is perhaps the most effective residence insurance coverage possibility on the market.

California Casualty affords the same old suite of insurance coverage choices, together with:

  • Dwelling. This portion of your coverage protects the bodily construction of your house, together with the partitions, roof, and basis. It additionally covers freestanding constructions like garages and fences.
  • Legal responsibility. If a visitor is injured in your property, they will sue you when you’re liable for the incident. Legal responsibility helps pay on your authorized charges in case you are sued.
  • Private property. There’s much more that makes your own home a house than partitions and a roof. Private belongings resembling home equipment, furnishings, and even clothes will be changed by way of your insurance coverage.
  • Dwelling bills. If your house is broken to the purpose it’s unlivable, California Casualty will reimburse you for lodging and meals prices when you await repairs.

As with its automotive insurance coverage, California Casualty affords a number of add-ons meant to have a good time the work of neighborhood servants. These embrace:

  • Off-duty weapons theft. In case your personally-owned off-duty weapons are stolen out of your property, you possibly can stand up to $5,000 to interchange them.
  • Fallen hero/fallen officer survivor. If a firefighter or police officer dies within the line of responsibility, their household will obtain a dying profit.
  • College violence dying survivor. With elevated violence on American campuses, an educator’s household will obtain a dying profit if they’re killed in an assault throughout faculty hours.

California Casualty additionally covers misplaced baggage, debit or bank card fraud, private property for educators, and educators extra legal responsibility.

Different Kinds of Insurance coverage From California Casualty

Insurance coverage is likely one of the greatest issues you may get to guard the issues that matter in your life. With that in thoughts, California Casualty affords a protracted checklist of insurance coverage merchandise:

  • Motorbike. Just like normal auto insurance policies, motorbike insurance coverage is tailor-made with bikes in thoughts. Most states require motorbike insurance coverage to drive.
  • Mexico journey. In the event you plan on driving to Mexico, your American insurance coverage received’t work south of the border. California Casualty works instantly with Mexican insurance coverage businesses to make sure you have the protection you want.
  • Apartment. Apartment homeowners want safety much like householders, however there are distinctive variations that this plan accounts for.
  • Traditional automotive. In contrast to fashionable vehicles, basic vehicles are an funding, and your insurance coverage coverage ought to defend them as such.
  • Snowmobile. They could be leisure automobiles to most, however California Casualty takes their safety severely. You’ll find most of the similar sorts of protection for snowmobiles as you’d with a automotive.
  • Private umbrella. In case your legal responsibility insurance coverage runs out earlier than your authorized payments are paid, you’ll be caught with the invoice. Nevertheless, a private umbrella plan takes over after legal responsibility ends to cowl authorized prices.
  • Boat. California Casualty’s boat insurance coverage protects the watercraft and your company.
  • Renters. You don’t must personal a house to get safety on your belongings. Renters insurance coverage protects your private property and is often extremely reasonably priced.

This can be a small choice of the insurance coverage choices you should buy by way of California Casualty. You’ll be able to study extra about their protection choices by talking with an agent.

Enter your ZIP code beneath to view firms which have low cost insurance coverage charges.

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How a lot does California Casualty value?

Drivers ought to anticipate to pay extra for protection by way of California Casualty. The corporate embraces its steeper costs with the philosophy that peace of thoughts is price the associated fee.

Though California Casualty costs are about 30% increased than the nationwide common, it does supply a whole lot of reductions to assist deliver the value again down. These embrace:

  • Bundling
  • Multi-car
  • School graduate
  • Good pupil
  • Mature driver
  • Non-smoker
  • Security and security measures
  • Retired

Once more, That is solely a pattern of the options California Casualty affords. If you join a coverage with this firm, an agent will comb by way of your particulars to ensure you get each low cost doable.

California Casualty Critiques

California Casualty’s mission is to help academics, nurses, and different neighborhood servants, and it appears to be conducting that aim comparatively properly. Most buyer opinions are optimistic.

Pleased policyholders state that they are going to be California Casualty prospects for all times and that they admire the particular care taken with their wants. Whereas they just like the aggressive costs, they love the popularity of the companies they carry out for his or her communities.

California Casualty performs annual coverage opinions to make sure prospects nonetheless want the protection they initially purchased. Many shoppers talked about the assessment and stated it saved them cash on their insurance coverage.

Folks principally report that the claims course of is lightning quick, and there are not any points getting claims paid.

Unfavorable opinions are more durable to seek out. Those that do exist principally point out issues with canceling insurance policies.

For skilled score companies, the Higher Enterprise Bureau provides California Casualty an A+, although there are a number of complaints listed on the positioning. A.M. Greatest, which charges firms on their monetary safety, provides this supplier a BBB-.

Discover the Greatest Automobile Insurance coverage for Your Wants

Though you should be a trainer, nurse, firefighter, police officer, or different neighborhood servant to be eligible, California Casualty is perhaps the best choice for you when you qualify. California Casualty has merchandise for nearly any insurance coverage want.

Even when you’re involved in a quote for California Casualty insurance coverage, it’s best to nonetheless store for charges from different firms. Whereas most prospects are glad they went with California Casualty, there is perhaps higher charges for you.



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