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Personal

Y ou’ve worked hard to build the life you enjoy today. Your home and car are more than just transportation and housing; they’re symbols of how much you’ve sacrificed to get where you are today. Why risk it all?We can make sure you don’t. We offer personal insurance for your car, home, valuables, and boat. We also offer umbrella insurance so you can have greater liability protection. Physicians Risk Associates can customize a personal insurance package to help you protect what matters most: your family’s quality of life.

personal-insurance-mission-viejo

  • AUTO INSURANCE

    Your car provides you with pride, joy, and freedom.

    Our job is to help protect you along your journey. Choosing the right car insurance can be difficult. With different liability limits, comprehensive, collision, uninsured motorists and medical coverages to choose from, it’s easy to be confused. As an independent insurance agency, we’re here to help you sort through the companies and coverages until you find what is right for you.

  • HOMEOWNERS

    Your home is probably your most valuable asset.

    It’s not just an investment, it’s your sanctuary in a busy world. When your home is damaged, you need your claim handled by an insurance company that understands the importance of getting it resolved quickly, easily, and – most importantly – completely. We can help you determine which company will best meet your needs and provide you with the coverage you need at the right price.

  • PERSONAL UMBRELLA

    Personal umbrella policies provide you with an extra layer of liability coverage above and beyond what your auto, home, and boat policies offer. The liability limits under your other policies may not be adequate to provide the protection you need in the event of an expensive incident. Your umbrella policy can provide the additional coverage you need at a relatively small cost.

  • VALUABLE ARTICLES

    If you’re relying on your homeowners policy for insurance for your valuable possessions, it could be a costly mistake. Whether you have just a few valuable items or a collection, chances are that you need a valuable articles policy. This type of insurance policy can provide protection for an agreed upon individual item value, or a blanket amount with broader coverage than your homeowners policy.

  • PERSONAL WATERCRAFT

    Whether you own a ski boat, fishing boat, sailboat, or jet ski, knowing you’re properly insured when you’re on the water will give you the peace of mind to relax and enjoy the pleasures of boating. Watercraft insurance provides you with liability and property coverage if the operation of your boat causes injury or damage to others. Coverage is also provided for theft or damage to your watercraft or for injury to your passengers.