The Spina Insurance Agency strives to provide the greatest protection for our clients through education. The greatest power ever given to any one person is knowledge. The more the client understands the product they are purchasing, the more decisions they can make regarding the right choices for them.
At the Spina Insurance Agency our main goal is to work with you to design an insurance plan that is tailored for each clients individual needs. No one insurance plan fits all. We keep that motto in mind when talking with each family we work with.
Every client can feel with great confidence that we are looking at them as an individual entity with the utmost emphasis on customer satisfaction.
Auto InsuranceAuto Rental Service Farmers® offers a network of pre-screened, nationally-known, rental car companies that will provide free pickup and delivery, direct billing to Farmers and an automatic deposit waiver (not available in all areas) while your vehicle is being repaired. Even in an accident at which you are at fault, Auto Rental Service provides service. Bodily Injury Coverage This insurance coverage has policy options that cover medical, legal, and property repair expenses for the injured party, whether it be you, your passengers, or the person you’re at fault for injuring.
Home InsuranceApplicants with Credit or Loss Problems Having a loss on your record doesn’t mean it’s impossible to get insurance. Farmers insurance also offers coverage to applicants with credit or loss issues, including applicants who have been declined, cancelled or non-renewed by another insurance company. Flood Insurance Flood insurance is a good buy, even in low or moderate risk areas, as nearly 25 percent of all flood insurance claims come from low-to moderate-risk areas.* *http://www.iii.org/media/facts/statsbyissue/flood/ **Although this statistic is from a reputable source, it comes from a third party website, and Farmers is not responsible or liable for information provided.
Life InsuranceWhat kind of Life insurance¹ fits my needs? In a nutshell, Life insurance comes in two forms: Term insurance and Permanent insurance. Term vs. Permanent Insurance Term insurance provides coverage for a set period of time and is usually less expensive. It provides the greatest amount of coverage for the lowest initial cost. You may find that a Term policy is a good choice if you have temporary needs or if your funds are limited. Permanent insurance, which includes Whole Life and Universal Life, may be the right fit for you if you want to cover a long-term need such as income for a spouse, legacy planning for children or end of life expenses. Permanent insurance may initially cost more, but may accumulate cash value. It's difficult to say exactly which kind of Life insurance is better, because the type of coverage that's right for you all depends on your individual circumstances and financial goals. A combination of Term and Permanent insurance may be the right solution.
PropertyWhatever each new day brings, Farmers Business Property insurance is still your best defense against unexpected occurrences, such as fire, hail, windstorms, and other natural disasters. Key coverage examples include: Building coverage, Business Personal Property insurance, and Business income.
LiabilityYour unique business faces a wide range of unpredictability, and Farmers Business Liability insurance can help businesses mitigate potentially devastating lawsuits. Business Liability insurance helps your business stand strong through challenging situations by covering the associated cost of legal defense and legal damages you are obligated to pay, up to the policy limits selected. Connect with a Farmers insurance agent who's an expert in working with business owners, and select from a wide range of options that fit your individual business insurance needs.
Collision CoverageWhether its icy roadways, a blind spot, or an uncontrolled intersection, Collision Coverage pays any amount more than your deductible to restore the damage done to your vehicle to factory new condition in the event of an accident.
Motorcycle TypesWhether you're taking to the back-roads on a classic bike or traveling the highways on a touring cycle, we provide coverage for a variety of bike types: Classics, Cruisers, Custom, Sport, Touring, Trike Conversion.
LiabilityYou never know when someone might get hurt in an accident. You could stand to lose a lot if you are at fault. Liability Coverage provides protection against financial loss.
All Terrain VehiclesWhether you're roving through a challenging ATV course, or you're four-wheeling in the forest, we provide the coverage you need for your All Terrain Vehicles.
BoatsWhen you're out on the water, it should be smooth sailing, but when the waves get a little bit rough, it's good to know that your boat is covered. Whether you own a fishing boat, a runabout, or a pontoon, we have coverage for your boating needs.
Off-Road VehiclesSome of us have vehicles that allow us to take part in some pretty adventurous hobbies. From dirt bikes, dune buggies, golf carts, and more, our Off-Road Vehicle coverage makes sure your vehicle is covered.
Financial InsuranceWhen most people think of Farmers, they think of an insurance company with a reputation for stability and service. At Farmers Financial Solutions® we apply those same principles when helping families and business owners toward their financial goals and objectives. Your Farmers Insurance and financial services agent will give you the professional perspective you need to help you build a solid financial strategy - even if you don't have much investing experience.
Health InsuranceHaving the right health care is priceless but it shouldn't and doesn't have to cost you an arm and a leg. We are committed to making sure you have access to the best health care providers available and work hard to provide exceptional care at an affordable price. Christi Spina is an authorized broker in California for Anthem Blue Cross. At Anthem Blue Cross, we are committed to improving health care for all of us. After all, we've been here for over 60 years addressing changes in the healthcare system and making sure Californians can get access to the care they need at a price they can afford. From our vast doctor network to alternative medicine coverage to personalized plans, toll-free help lines and member focused services, we are California’s leading health benefits company.
Travel InsuranceIf you’re preparing for an upcoming trip or vacation, one of the most important things to consider is Travel Insurance. From unexpected flight cancellations to lost luggage, a care-free vacation can quickly become a stressful nightmare. A Travel Insurance policy from my agency can help save you from any of the unexpected events that can ruin your plans. Get peace of mind for your upcoming adventure by contacting me today. I’ll help answer your questions and get you the insurance coverage that you need. That way, the only thing you’ll need to worry about is making sure to pack the toothpaste and extra sunscreen. We offer a comprehensive solution with our "Mexico Auto Tourist Policy." It’s designed to provide you the Auto insurance protection you need, to ensure that you and your vehicle are covered when traveling in Mexico.
Renters InsuranceOne of the best things about Renters insurance: it's affordable. For about the price of a movie and popcorn once a month, you can purchase protection for your personal belongings. Renters insurance can provide protection for your possessions and your assets.
Umbrella InsuranceWith a Personal Umbrella policy, you have additional coverage over and above the liability limits of your underlying policies. Your assets as well as your future earnings are covered.