Personal Insurance

• You don't need an insurance policy. You need a personal insurance agent.

  Why? An agent will take the time to learn your personal needs and identify risks. We want to make sure that your insurance actually protects you. ASAP Insurance Agency is an independent insurance agency dedicated to finding you the comprehensive insurance coverage you need.

  Whether you need to protect your car and home, want insurance for the possessions in your apartment, or need a general umbrella policy for peace of mind, our agents will provide you with outstanding service and the policies you need. We pride ourselves on finding affordable personal insurance policies that protect your most important assets. We want to ensure that your insurance policies provide protection for your biggest concerns.

  If you don't have personal insurance, or feel that you aren't getting the protection you deserve, contact ASAP Insurance Agency or give us a call at 1.800.897.4763. Our goal is to protect our clients against all of life's unexpected twists and turns.

Auto Insurance

• Looking for Auto Insurance? We want to be your car insurance agent of choice. Filling out our form is the first step in the beginning of a long partnership. We offer affordable auto insurance rates and discounts, plus maximum benefits and unmatched service.

  Our insurance agents want to make sure that your auto insurance policy fits your exact needs. From work trucks to classic cars, from minivans to convertibles; we can provide an insurance policy that actually protects your car.

  Typical auto insurance quotes include the following coverage types:

  • Liability - insurance for property damage and injuries to others caused by you while operating your vehicle.
  • Medical - coverage for the driver and occupants of the insured vehicle.
  • Collision - insures the owner from loss during a collision with another vehicle.
  • Comprehensive - protection from damage caused by things other than vehicle collision.

  Other coverage can be added for specific vehicle needs like: antique automobiles, classic cars, high performance cars, and more.

  If you are in need of affordable auto insurance contact us by using our simple auto insurance quote form or calling our toll free number 1.800.897.4763. One of our local insurance professionals will be happy to explain our coverage benefits and give you a free auto quote today.

Home Insurance

• Purchasing home insurance can get confusing, and at ASAP Insurance Agency we understand this. Although you are not legally required to purchase home insurance as you are with car insurance, many mortgage companies are requiring it as part of their finance agreements with home owners. If you are faced with the sometimes daunting task of shopping for homeowner's insurance, don't fret! ASAP Insurance Agency is an independent insurance agency that can shop multiple carriers to get you the best home insurance policy available to you!

  Homeowner's coverage doesn't have to be difficult to understand. Typically, a basic homeowner's insurance policy will cover the following:

  • The structure of your home
  • Replacement costs
  • Personal possessions (up to a set limit)
  • Living expenses in case of a disaster
  • Liability

  You can also add supplemental policies such as:

  • Valuable Articles/Floater policies (i.e. Jewelry Insurance)
  • Flood policies
  • Earthquake policies
  • Umbrella policies (additional liability)
  • Animal Liability (liability issues due to household pets)

  The needs of every home owner are different and your home insurance policy should reflect that. The agents at ASAP Insurance Agency will create a homeowner's insurance policy that will best suit you and your family. Contact us today for more information on our comprehensive homeowner's insurance policy options. Fill out our quick and simple form for a free home insurance quote!

Condo Insurance

• Need an insurance quote for your condo or townhouse? You've come to the right place.

  If you own a townhome or condo, you have different insurance needs than the typical homeowner. Not only do you own your individual condo, you also share ownership in the common areas and overall structure of your building. If shared areas need upkeep and maintenance, your association will typically handle the expense through their insurance package. Although your association dues help pay for upkeep of the common areas, they do not typically cover your personal property within your own unit, or your liability if someone is injured on your property.

  Condominium insurance provides protection where condo associations do not. Condo and townhome coverage protects your possessions within your unit, including furniture, appliances, kitchen and bath facilities and your personal items. If you plan on upgrading your unit, any improvements you make will also be covered under your policy, including wall units, renovations, wallpaper.

  If you would like to feel more secure, you should look into purchasing a condo or townhome insurance plan from ASAP Insurance Agency. Contact us to get a condo or townhouse insurance quote right now!

Renters Insurance

• What is Renters Insurance?

  Basically, renters insurance acts as a homeowners insurance policy for those who rent their place of residence. Whether you live in a condo, apartment, house, duplex, etc., renters insurance can protect you and your assets. Having renter's insurance can help devoid costs of damages should anything happen to a rental property that you are living in.

  Doesn't My Landlord's Insurance Cover Me?

  NO! Do not make the mistake of assuming your landlords homeowners insurance will cover you and your assets. A landlord's policy covers only the physical structure of the rental property, not your belongings. If the person who owns the building has rental insurance, they will be protected from costs to them should something happen to the building, but they are not responsible for covering your belongings.

  The Next Step…

  Purchasing renter's insurance ensures that your property is protected. Don't make the mistake of thinking you are invincible; you do need insurance for your belongings, even if you live in a rental property. You are the only one who is responsible for protecting your assets. Contact ASAP Insurance Agency today for more information and fill out our free renters insurance quote form!

Flood Insurance

• Flood insurance provides protection for destruction and financial devastation caused by floods. Although it may not seem like much even a few inches of water can cause serious damage; resulting in thousands of dollars in repair and restoration costs. Homeowners insurance does not cover floods. Purchasing a flood insurance policy through ASAP Insurance Agency can protect you.

  Although it may not seem as necessary as homeowners insurance, flood insurance is important if you want to keep your home safe and your possessions secure. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.

  Different types of policies are available based on your property's location and flood history:

  • Standard Flood Insurance Policies

    If you live in a community that participates in the NFIP, your building and its contents can be covered by a standard flood insurance policy. The National Flood Insurance Program (NFIP) was established by the Federal Government to help communities who "voluntarily participate in the NIFP by adopting and enforcing floodplain management ordinances to reduce future flood damage." To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.

  • Preferred Risk Flood Insurance Policies

    If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren't required to purchase flood insurance in low-to-moderate risk areas, a preferred risk policy will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.

  Don't wait until it's too late. Contacting Asap Insurance Agency today will get you on the path to flood protection with an affordable and comprehensive insurance policy.

Motorcycle Insurance

• Selecting your motorcycle is a big decision. Protecting your motorcycle is easy.

  Whether you're a weekend warrior, a casual rider, or a hardcore motorcyclist, our motorcycle insurance policy offers protection for you, your bike, and your accessories. Our policy is designed to meet the personal and financial needs of most motorcycle owners.

  All you need to do is choose the type of coverage and deductibles that best cover your motorcycle and your lifestyle, and we'll do the rest. We offer competitive prices plus convenient payment plans, and we'll place your coverage with a company that has the financial stability to be there when you need them most. We hope you never have a bad day, but if you do, our motorcycle insurance coverage is designed to help turn a very bad day around.

  And no doubt you'll qualify for some of our discounts that will make your motorcycle insurance premiums even lower. We want you to enjoy your ride with the peace of mind that comes from knowing you're covered.

  You may qualify for a number of discounts including:

  • Insuring more than one motorcycle
  • Mature riders
  • Renewals
  • Credit for qualified safety courses
  • Multi-policies with our company

  Discounts that could significantly lower your insurance premium aren't the only reason to place your policy with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs as a proud motorcycle owner. We'll show you what coverage may be available and how to get the personalized protection you need.

  Even if you've been riding for years, it's a good idea to take a close look at your motorcycle insurance coverage. Things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle.

  You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Regardless of the type of motorcycle rider you are we quote motorcycle insurance for every lifestyle. Why not get started today and save with a free motorcycle insurance quote?

Off-Road Vehicle Insurance

• Let's face it, off road vehicles are fun. Off road vehicle insurance is a critical tool to make sure you keep them fun. Whether you are a recreational ATV rider, or use your side by side to manage miles of fence line having it damaged, wrecked, or stolen can cause loss of time and money. We can provide different types of off road vehicle insurance to cover different types of vehicle needs.

  ATV Insurance:

  All Terrain Vehicles, Quad, Four Wheelers: whatever name you call it, the fun is still just as good. If you're using it as a weekend cruiser, running around the farm, or taking it hunting – having your ATV is a lot of fun, but it's also a big investment. What happens if it's sitting in the garage and a poorly placed battery ruins the gas tank and engine? Does your homeowner insurance cover it? What if you're not on your property and have an accident? Are you or your ATV covered? Even worse, if someone steals it from your backyard, or it's hit while waiting to load your quad onto the trailer at your favorite trail – how are you going to replace it?

  If you're lucky enough to have a State managed four wheeler trail network you're most likely going to need insurance for your quad to ride on State land. We can help with all of these scenarios.

  Dirt Bike Insurance:

  Race on the weekend at your local track? Ride recreationally? An off road motorcycle is a big investment too. Many people who compete in enduro rides have to be registered and insured – even hare scrambles can require coverage for your motorcycle. If you participate in activities where coverage is required, or want to protect your investment we can design the right policy to protect your dirt bike too.

Side-by-side and Full size 4wd Insurance:

• Many of the vehicles that never see pavement, or aren't registered are of high value. You wouldn't buy an 8 thousand dollar car and not insure it, but would you buy a side by side and leave it uninsured? If you're a rock crawler why wouldn't you protect your thirty-thousand dollar toy from liability, uninsured accidents, and theft? If it falls off a trailer, will you pay damages out of pocket? If your Jeep rolls over and damages someone else's vehicle, who will cover those damages? Many offroad toys are high value, high investment, but owners simply don't think they need coverage because they're not on the road. Don't leave your side by side, Jeep, or buggy vulnerable to anything other than the trails you're on.

  To make sure your buggy, quad, side by side, bike, or other off road vehicle you own is protected… contact us for a free quote today!

• Insuring more than one motorcycle
• Mature riders
• Renewals
• Credit for qualified safety courses
• Multi-policies with our company

Discounts that could significantly lower your insurance premium aren't the only reason to place your policy with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs as a proud motorcycle owner. We'll show you what coverage may be available and how to get the personalized protection you need.

Even if you've been riding for years, it's a good idea to take a close look at your motorcycle insurance coverage. Things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle.

You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Regardless of the type of motorcycle rider you are we quote motorcycle insurance for every lifestyle. Why not get started today and save with a free motorcycle insurance quote?

Watercraft Insurance

• Things to Consider

  When the days are clear and weather is warm, we know that the first thing on your mind is going out on the water. Your boat allows you to get away from all the stress and pressure of the mainland and kick back by yourself or with good friends. Whether you use your boat to fish, cruise, or race, we know it must be pretty difficult to picture your life without it. At Asap Insurance Agency, we make sure that you enjoy your time on the water without having to worry about what could do wrong. Our agency specializes in writing insurance policies for boaters, so you can be certain we will provide you with the best protection available. We understand the differences between power boaters, sailors, and commercial fishermen, and we can tailor an insurance policy to your unique needs.

  Our watercraft insurance plans can provide you with coverage against many different types of loss. We offer:

  • Medical Payments Coverage
    We offer medical coverage that can cover your eligible medical expenses if you get get hurt when on the water.

  • Physical Damage Coverage
    This optional coverage is typically designed to take care of your boat, motor, and trailer. Our agents will help you determine the right amount of physical damage coverage for each boat on your policy. You will also need to choose a deductible (the amount you would pay on a claim) before your policy kicks in.

  • Liability Coverage
    If you're involved in an accident, there's a good chance another person or another watercraft is involved. And if you're at fault, you'll need liability coverage. You can choose a lot of liability coverage or a little – it's up to you. We'll show you what coverage and limits may be available, and how to get the maximum personalized protection you need.

  Whether you're a lifelong boater or just getting started in Los Alamitos, it's always a good idea to take a close look at your new or existing marine policy. We can help. Simply fill out our quick and simple online form to learn how Asap Insurance Agency can keep you safe and secure with a marine insurance policy.

  You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Why not get started today and save with a free boat insurance quote? It's easy with Asap Insurance Agency. Happy boating!

Recreational Vehicle Insurance

• Buying and owning an RV is a dream-come-true for many travelers across the country. An RV opens up the door to America allowing vacationers to see the many splendors and sights our great nation has to offer. Whether you are climbing a winding road in the Rockies, trudging through the hot desert of the southwest or heading east to the Nation's Capitol, an RV can get you there.

  Your new RV comes with a responsibility to protect and secure it from the dangers of America's roadways. RV insurance coverage with ASAP Insurance Agency will protect your traveling companions and assets while you are on the road.

  RV's are used for a variety of purposes. Your RV insurance premiums will vary depending on the type and amount of usage you get out of your vehicle. Contact us, Asap Insurance Agency, for an evaluation of your RV needs. Get a free California RV quote on your first or next RV insurance policy!

Umbrella Insurance

• What is Umbrella Insurance?

  Umbrella Insurance provides exactly the type of coverage that it sounds like it would; it provides an umbrella for you to stand under. Liability issues are everywhere and you never know what could cause someone to present you with a lawsuit. Basically, Umbrella Insurance policies protect you from liability issues the go beyond the liability limits of standard insurance policies, such as your homeowner's insurance, car insurance, etc. This policy literally puts you under its umbrella so that when you exceed the liability coverage limits on an insurance line, you will still be protected.

  What does Umbrella Insurance cover?

  Most liability coverage that rests within your current insurance policies only covers bodily injury and property damage to others. Umbrella policies will extend those limits to not only provide additional coverage for bodily injury and property damage, but also to cover things that are not listed under regular liability allowances. Every policy is different, so what is considered a covered liability issue under one insurance line may not be covered on another insurance line. Umbrella Insurance kicks in when these situations present themselves and/or you exceed to amount of liability coverage for the events that are already allowed under your regular insurance policies.

  Why should you purchase Umbrella Insurance?

  You may not think you need an umbrella policy, but consider this: What happens to you and your family's assets should you be sued for something that occurred at your home and the legal costs of the lawsuit greatly exceed the liability coverage defined by your homeowner's policy? Who will pick up the tab if you are responsible for a multi-car accident and your liability costs exceed the limits on your car insurance by thousands of dollars? Although these kinds of things may be few and far between, you cannot be too careful. Umbrella Insurance is typically purchased at a low cost to you, but will provide enough coverage to where you shouldn't have to worry about liability costs in the future. Contact Asap Insurance Agency today for more information on umbrella policies and get a free online quote!

Wedding Insurance

• A wedding is a blessed event. You hope, pray, and plan for a seamless, breathtaking ceremony and reception. From the caterers to the flowers to the 6-piece chamber orchestra, everything has been arranged. It's going to be a perfect day.

  You hope.

  If a last-minute case of cold feet – or a lover's spat – puts everything on hold, you want to make sure you're not out of pocket for the cost. There's no sense in paying for a $50,000 lover's spat!

  Wedding Insurance, from Asap Insurance Agency, is designed to make sure your hard-earned dollars are not wasted on last-minute reversals or unexpected changes in the weather.

  Contact us – or fill out our online form – to learn more about our comprehensive Wedding Insurance today.

Classic Cars Insurancee

• A classic car is not an antique car. Though this may be a tad confusing to people who aren't automotive aficionados, it's important to note, especially if you're looking for an affordable insurance policy. What's the fundamental difference?

  How often you drive it.

  A classic car enjoys its fair share of road time and needs a more comprehensive coverage plan. At ASAP Insurance Agency, we specialize in covering antique, classic, and collectible automobiles. We offer top-dollar value assessments and customizable insurance options.

  Contact us today – or fill out our online contact form.

Dwelling Fire Insurance

• If you have homeowners insurance, you may be inclined to think your home is completely covered in the case of a fire. If you're living in your own home – it will.

  But, if you're renting out a house, think again.

  Dwelling fire insurance is specifically designed to protect landlords from losing rental income lost as a result of a fire. In most cases, this coverage will provide you with a year's worth of rental income, allowing you the time and resources to rebuild and rent.

  Contact ASAP Insurance Agency today to find out more about dwelling fire insurance.

Earthquake Insurance

• Don't make the mistake of thinking your homeowner's policy is going to protect you in the event of an earthquake. It won't. Despite the fact that 90% of Americans live in seismically active areas, few homeowners ever consider earthquake insurance. In fact, only 12% of homeowners bother to purchase it.

  At ASAP Insurance Agency, we can help you weigh your options, understand the risks, and find an earthquake policy that works for you.

  Contact us today!

Financial Services

• ASAP offers customized financial planning services exclusively through our strategic partnership with Premco.

  At the Premco, they believe in a personal approach to investing. They will want to get to know you and understand your interests, goals and concerns before drawing up an investment plan or recommending products and services. After deciding together on a plan that addresses your goals, risk tolerance and financial circumstances, together they will put your plan into action.

  The following are some of the services the The Spectrum Financial Group, Inc. can offer:

  • Asset-Allocation Strategies
  • Asset Management
  • Investment Services
  • Estate Planning Strategies
  • Planning for Retirement and Retirement Income
  • Portfolio Analysis and Monitoring
  • Risk Management Strategies
  • Tax-Advantaged Strategies and Strategy Coordination with Tax, Legal, and Other Advisors
  • Wealth Management Services
  • Lending

  The The Spectrum Financial Group, Inc. can provide guidance and resources to help you manage the financial implications of the life events. If necessary, they will help you update your long-term financial and investment strategies as well. For more detailed information on how this could benefit your future, please contact the King Financial Group today to schedule a complimentary consultation. Please be sure to let them know you were referred by ASAP Insurance.