One thing that separates Hammer Insurance San Bernardino from most companies is the absence of captive agents. All customers have their independent agents handle the underwriting processes for the sake of transparent insurance policies. Unlike their captive counterparts, independent agents work on behalf of clients. This means customers get the best coverage at the best price without sacrificing the level of protection for their assets. The company offers property coverage in three categories, including home, auto, and business.
- Homeowners Policy
The company’s homeowner’s policy includes coverage for losses to your personal property, home, and other structures as long as they are an integral part of the house. Personal liability is also available to complement the basic policy. While the basic policy offers enough protection for the most common losses, the company provides several endorsements for examples:
- Additional coverage of up to $750 for food spoilage during a power failure due to natural disasters such as storms
- Additional coverage of up to $1500 for legal obligations in case someone steals your credit or debit card. It is useful to cover all the expenses you did not make during the time the card is missing
- Additional coverage of up to $1000 for debris removal in case winds or other natural causes knocks down trees in your yard
Hammer Insurance San Bernardino has separate policies for renters, condo owners, and rental owners. Those who run businesses in private houses’ property instead of an independent office building can find coverage in the Home Business Plus policy. It is a different set of financial protection, focusing on operational business losses. Similar to the primary home plan, several endorsements are available as well.
- Auto Policy
Personal Auto Policy from Hammer Insurance includes liability, medical payments, collision, comprehensive, and coverage or protection from the motorist who does not have insurance. There are also optional extras as follows:
- Towing & Labor: coverage of up to $100 is available to tow your car from anywhere to a repair facility
- Hit & Run: it waives the deductible for Collision coverage in case you are a victim of a hit & run when your vehicle is not moving.
- Auto Plus Medical Payment: the necessary medical payment provides up to $5,000 coverage. The optional extra adds another $5,000 to make a total of $10,000 to cover the medical cost.
Besides car insurance policy, the company offers separate coverage for different types of vehicles, including utility trailers, motorhomes, classic & Antique autos, Golf carts, and recreational Trailers. Protection is available for the following perils:
- Explosion, sinking, or stranding
- Fire, lightning, and windstorm
- Collision and damage while launching, loading, or unloading
- Theft
- Highway collision or upset
- Vandalism
- Business Insurance
The last policy category from Hammer insurance San Bernardino is Business Insurance. There are specific programs for your specific business fields.
Business insurance programs are available for:
- Contractors
- Light Industrial
- Building Owners
- Service Businesses
- Retailers
- Wholesalers
- Self Storage
- Auto Service and Repair Shops
- Offices
- Builder’s Risk
- Vacant Property
- Restaurant
Independent Agent
An independent agent can provide estimates and see possible perils of your personal properties or business before making suggestions about the best type of coverage or if there is a need for additional protection. Hammer Insurance also has two helpful departments to assist with claims and losses. The company’s Loss Control Consultants conduct surveys to your business operation and recommend valuation estimates of your buildings or properties. Moreover, there is additional training to improve control and reduce hazards to the property and people in it. A separate Claims Services department handles claiming processes regardless of the complexity of the claims.
Team of Agents
There are several companies or agencies in the country that use similar names as Hammer Insurance Company, two of which are Hammer Insurance Victorville and Hammer Insurance Fontana. Hammer Insurance is a team of insurance agents; it is an agency rather than a company. It sells insurance policies, and it can provide independent agents for your needs. The company works with a network of underwriting firms. It has independent agents to cover these types of policies, including auto, worker’s compensation, general liability, property insurance, and Commercial Vehicles.
Avoid confusion, ask your independent agent
The company has a similar name; this is a different company from Hammer insurance Rancho Cucamonga. Sometimes, it leads to confusion because both companies offer the same types of policies, including auto, liability insurance, and business or commercial properties. Another important thing is that the company also has a branch office in Fontana, along with other branches in Rialto, Riverside, and Ontario. To avoid confusion, you can ask your independent agents about the companies and explain the difference.
Conclusion
Starting the business as Hammer Insurance Company, the insurer has come a long way of development for nearly 24 years. It is one of few major liability and property insurers that provide all its products through independent agents. It is also an award-winning company with recognition from reputable organizations, among all the awards.