{"id":1015,"date":"2021-09-27T22:38:52","date_gmt":"2021-09-27T22:38:52","guid":{"rendered":"http:\/\/www.prontoinsurance.com\/blog\/?p=1015"},"modified":"2021-09-27T22:38:52","modified_gmt":"2021-09-27T22:38:52","slug":"essential-insurance-checklist","status":"publish","type":"post","link":"https:\/\/www.prontoinsurance.com\/blog\/essential-insurance-checklist\/","title":{"rendered":"The Essential Insurance Checklist for Millenials"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">You know you need insurance. You know you need more than one type of insurance. If that&#8217;s all you know, you&#8217;re not alone. Your need for insurance, as well as the amount of coverage that is not only mandated by the state of California but also is best for your situation, is not always easy to understand. Don&#8217;t worry! Pronto Insurance is here to help young adults figure this whole thing out with our essential insurance checklist for Millenials!<\/span><\/p>\n<h2><b>California Auto Insurance<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The state of <\/span><a href=\"http:\/\/www.insurance.ca.gov\/01-consumers\/105-type\/95-guides\/01-auto\/auto101.cfm\"><span style=\"font-weight: 400;\">California mandates that you have insurance coverage<\/span><\/a><span style=\"font-weight: 400;\"> on your vehicle. It requires drivers to carry at least the following auto insurance coverages:\u00a0<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Bodily injury liability coverage: $15,000 per person \/ $30,000 per accident minimum<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Property damage liability coverage: $5,000 minimum<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Uninsured motorist bodily injury coverage: $15,000 per person \/ $30,000 per accident minimum<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Uninsured motorist property damage coverage: $3,500 minimum<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">While these are the minimum coverages California requires you to have, everyone&#8217;s <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/auto-insurance\"><span style=\"font-weight: 400;\">car insurance<\/span><\/a><span style=\"font-weight: 400;\"> needs are unique. We recommend you speak to one of our friendly and professional representatives to get a personalized recommendation.<\/span><\/p>\n<h2><b>California Homeowners Insurance<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Owning a home in California means worrying about break-ins, mudslides, earthquakes, floods, and fire. This is a huge investment and without <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/home-insurance\"><span style=\"font-weight: 400;\">homeowners insurance<\/span><\/a><span style=\"font-weight: 400;\"> you could lose it all. Unlike California car insurance, homeowners insurance isn&#8217;t required by law in the state. However, if your home is financed with a mortgage, your lender will require homeowners insurance. Our insurance offers <\/span><a href=\"http:\/\/www.insurance.ca.gov\/01-consumers\/105-type\/5-residential\/\"><span style=\"font-weight: 400;\">protection for your home<\/span><\/a><span style=\"font-weight: 400;\"> and property, like Personal Liability Insurance, Dwelling Insurance Coverage, and Personal Property Insurance. Home insurance rates vary and are determined based on factors like your zip code, home\u2019s size, credit score, and claims history.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even if you don&#8217;t own a house, you still need protection over your personal possessions. That&#8217;s why non homeowners should opt for <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/renters-insurance\"><span style=\"font-weight: 400;\">rental insurance<\/span><\/a><span style=\"font-weight: 400;\">. Your landlord probably has insurance for the home or building, but it will not offer any coverage for your personal property, tech devices, and furniture. You don&#8217;t want to have to start over with nothing after a catastrophic fire!<\/span><\/p>\n<h3><b>Other Types of Important Insurance<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Homeowners insurance and car insurance are both two important to get wrong. They&#8217;re not the only type of protection you need in life though. For one, it&#8217;s incredibly important to have <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/health-insurance\"><span style=\"font-weight: 400;\">health insurance<\/span><\/a><span style=\"font-weight: 400;\">. You&#8217;re not a teenager anymore! In fact, maybe you are doing so well in your career that you own your own business now. You need <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/commercial-insurance\"><span style=\"font-weight: 400;\">commercial insurance<\/span><\/a><span style=\"font-weight: 400;\">! This type of insurance provides peace of mind of physical damage and liability coverage for amounts, situations, and usage not covered by a personal auto policy. It covers <\/span><a href=\"http:\/\/www.insurance.ca.gov\/01-consumers\/105-type\/85-wc\/\"><span style=\"font-weight: 400;\">workers compensation<\/span><\/a><span style=\"font-weight: 400;\"> and a variety of vehicles, like a fleet of trucks, in case you&#8217;re found legally liable for bodily injury or property damage that is caused by your business operations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Do you have an <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/rv-insurance\"><span style=\"font-weight: 400;\">RV<\/span><\/a><span style=\"font-weight: 400;\">? Do you have a <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/boat-insurance\"><span style=\"font-weight: 400;\">boat<\/span><\/a><span style=\"font-weight: 400;\">? Do you have another type of <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/watercraft-insurance\"><span style=\"font-weight: 400;\">watercraft<\/span><\/a><span style=\"font-weight: 400;\">, like a jet ski? There&#8217;s insurance for all of these as well! When you look at this list, we hope it&#8217;s a little easier to understand all of the insurance options available to you. We want you to be as covered as possible, for a price that fits easily into your monthly budget.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You know you need insurance. You know you need more than one type of insurance. If that&#8217;s all you know, you&#8217;re not alone. Your need for insurance, as well as the amount of coverage that is not only mandated by the state of California but also is best for your situation, is not always easy &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.prontoinsurance.com\/blog\/essential-insurance-checklist\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;The Essential Insurance Checklist for Millenials&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1016,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[],"jetpack_featured_media_url":"https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2021\/09\/Car-Insurance-Checklist.jpg","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>California Insurance Checklist<\/title>\n<meta name=\"description\" content=\"The Essential Insurance 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