Motor Vehicle

• Auto Insurance
  To help with your tax preparation needs, Cost-U-Less Insurance is partnering with Tax Max to offer excellent, top-class tax preparation, filing, and refund services starting January 1st. Tax Max is a National Tax Preparation company with an A+ Better Business Bureau rating specializing in partnering with insurance companies to allow their customers to file their income tax return. You can get your taxes prepared fast and accurately and ensure that you receive your refunds quickly so you can stop waiting to get the car insurance you need.
• Motorcycle Insurance
  Affordable – motorcycle insurance. It’s not only the law, it may be what stands between you and financial disaster in the event of a wreck.
• Boat Insurance
  Cost-U-Less Insurance has you covered for all your boat and watercraft insurance needs. Our agents are experienced in finding you the lowest rates possible to ensure you have a fun and safe time on the water. Relax and enjoy the sun and surf as you motor, sail or cruise.
• RV Insurance
• Snowmobile Insurance
  At Cost-U-Less Insurance, our agents can help you find snowmobile insurance that fits your needs and budget, so you can enjoy the snow with peace of mind.
• Mobile Home Insurance
• ATV Insurance
  ATV insurance in California is fairly inexpensive, with the average running about $133 a month for full coverage and as low as $9 monthly for the minimum liability. Most insurance companies insure ATVs under motorcycle coverage, although ATV insurance is typically cheaper than motorcycle coverage.
• Inland Marine Insurance

Property

• Renters Insurance
  2019 Census, almost half of Californians are renters (45%). And California is among the highest states for renters who have renters insurance. What do they know that you don’t?
• Home Insurance
  Purchasing the right home insurance is a first step in ensuring that your investment will continue to reward you through the years with a safe haven for you and your family. Buying home insurance isn’t as fun as planning the stunning landscaping you will build or picking out the perfect sofa for the family room, but finding the right partner to help you navigate the maze of home insurance is crucial.
• Landlord Insurance
  Budget-friendly landlord insurance to see you through the turmoil. If you don’t have a good policy, you may get stuck with substantial expenses.

Health and Life

• Life Insurance
  When someone unexpectedly passes away, they might leave their family with funeral expenses, credit card debt, and other kinds of financial baggage. But, life insurance is the best way to keep this from happening.
• Health Insurance
  With the advent of the Affordable Care Act (ACA) in 2010, health insurance become more obtainable for many Californians. Now, residents can access low-cost or free health coverage through the state’s own ACA marketplace, Covered California, as well as Medi-Cal, which is California’s version of Medicaid.
• Dental Insurance
  Dental work can sometimes feel out of reach financially for many Californians. However, with affordable dental insurance, you can still keep a healthy smile without breaking the bank.

Business

• Business Insurance
  State workers’ compensation laws cover all types of employees regardless of whether they are working as a part-time, full-time or a leased worker. The laws specifically mention that teachers for public schools, county workers working under hazardous conditions, and even volunteers working for a profitable business can also qualify for occupation injury compensation benefits. Depending on the nature of your business, additional specialized business insurance coverage may be required.
• Workers Compensation Insurance
• Commercial Liability Insurance
  Property insurance covers damage to real or personal business property which results in a financial loss. A commercial liability insurance policy provides insurance protection in the event of third-party bodily injury or property damage for which the insured is legally responsible. If you are sued for personal injury or property damage, commercial liability insurance would cover the cost of defending and resolving the suit up to the established policy limits. Workers’ compensation insurance protects employers in the event of injuries sustained by employees while on the job. Workers’ compensation insurance is required by law in California for employers with as few as one employee.
• Professional Liability Insurance
  Coverage designed to protect professionals such as physicians and real estate brokers, against liability incurred as a result of errors and omissions in performing professional services.

Personal

• Liability Insurance
  A clause used in Umbrella policies providing that the Umbrella will ‘drop-down’ over underlying policy aggregate limits when they have been reduced or exhausted.
• Travel Insurance
  While it’s possible to buy an annual Mexican travel insurance plan (which comes in handy for frequent visitors), most travelers only need coverage for the duration of their stay. And depending on many factors (including what car you’re driving, how long you’re staying, and which coverage options you choose), the cost ranges from $2 to $40 per day.
• Identity Theft Insurance
  Identity Theft affects a large number of Americans every day. Nationally, the Federal Trade Commission (FTC) reported over three million incidents of identity theft in 2015. According to the FTC, Identity Theft was the #1 consumer complaint in America for the sixteenth year in a row in 2015. Identity thieves fraudulently obtain and use other people’s personal information, bank account numbers, Social Security Numbers, Driver’s License Numbers and other personal information to open fraudulent bank accounts, establish unauthorized credit lines, obtain loans and wrongfully report wages. As a result, identity theft insurance has become necessary.
• Pet Insurance
  Access to disability, hospital indemnity, universal life, critical illness, and accident insurance plans. We even offer pet insurance.

Natural Disaster

• Flood Insurance
  Most coverage does not extend to acts of nature such as earthquakes and floods (although you can buy flood insurance and, depending on where you live, may be required to purchase it). It also won’t cover...