The Consumer Page
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From automotive safety to disaster readiness, IINC encourages
Californians to lead safer lives and prepare themselves for risk. By
educating consumers about the role that insurance plays in their lives,
IINC helps consumers protect themselves and save money by choosing the
insurance products that best fit their needs.
Personal Lines
 Auto Insurance and Safety
If
it moves, you should insure it. Whether a car, a motorcycle, an RV or a
bicycle, insurance is the cornerstone to protecting yourself should you
cause an accident or if you suffer a loss from theft or damage caused
by an uninsured driver. Also in this section you will find information
on California driving laws, mileage-based insurance, safety issues and
understanding the basics of auto insurance so you can be a sharper
consumer.
 Home Insurance and Safety
Is
your home properly insured? Have you taken steps to secure large
bookcases to the wall in preparation for an earthquake? Does your yard
look like it could survive the ferocity of a wildfire? What is
earthquake and flood insurance, and why are they separate from a
standard policy? Find this and more in this section.
 Renters Insurance
More
often than not, renters don't bother purchasing renters insurance. In
fact, about three in four renters opt not to insure their belongings
figuring that they either don't have that much to insure or that the
property owners policy covers the renters property. However, though
policies do vary, policies for renters could cost in the range of $0.50
to $0.75 per day.
 Commercial Lines
There
are more than seven million small businesses in the U.S., ranging from
construction firms to grocery stores to home-based businesses. All have
one thing in common: Without the right insurance coverage, each could be
wiped out by a disaster or a lawsuit. In addition, almost all
businesses are accountable for the safety of their workers and are
responsible for injuries suffered on the job.
 Specialty Lines
From
covering damage due to a nuclear power plant disaster to travel
insurance or wedding insurance, many specialty coverages are available
for anything you can dream of.
If you have a specific question, please feel free to email consumer@iinc.org
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