Other Coverages


Earthquake Insurance
Earthquake insurance may be necessary in California because earthquakes are a fact of life.  Many homeowners and commercial insurance policies exclude the peril of earthquake damage and earthquake sprinkler leakage.  To avoid financial aftershock it would be wise to consider purchasing earthquake coverage for your property.  Please contact our office for more information or to obtain a quote.


When you hit the open road on your motorcycle the last thing you want to worry about is the right insurance coverage.  Any motorcycle that is registered for street use is typically not covered under your automobile or homeowners policy.   Our specialized motorcycle policies provide outstanding standard and optional coverage, including coverage for accessories, safety-related gear and much more.


RV Insurance
An RV is like a vacation house on wheels, so it makes sense to protect your investment from top to bottom. With RV insurance, you can select all sorts of coverage, including Vacation Liability, Full Timer’s, Emergency Expense and much more. Your RV insurance policy also provides coverage for your traveling companions and your valuables when you’re on a trip.


Antique/Collector Vehicles
Collectors are turning to Surdez Insurance Services to protect antiques, muscle cars, classic cars and newer exotics, street rods and customs, even kit cars.
Some other coverage options are

  • Harder-to-place autos with high horsepower
  • Restorations in process
  • Collector trucks
  • Classic and custom motorcycles
  • Trailers
  • Race cars
  • Military vehicles, tractors and fire engines


Personal Articles Coverage
Your homeowners policy provides limited coverage for certain classes of personal property.  Jewelry, guns, rugs, furs, antiques/fine arts and silverware, to name a few.  If you have individual items or collections that exceed these special limits, you may not be adequately covered.
A Personal Articles Floater can cover these special items. This policy can also be used to cover valuable collections such as wine or sports memorabilia. Please contact our office for more information or to obtain a quote.


(Umbrella) Excess Liability Coverage
Sometimes the liability limits on your homeowners or auto insurance policy may not be sufficient to cover the large court judgments being awarded these days. Also, there may be some types of losses that standard auto and homeowners policies are not intended to cover. An umbrella policy may pick up these gaps and can provide the additional coverage needed to protect you and your family.

Anyone can be sued, regardless of their wealth or income level. In today’s litigious society people are recognizing the need for additional liability coverage above their homeowners and auto insurance policy limits. Policies are typically issued at $1 million or $2 million limits, but higher limits are also available. Please contact our office for more information or to obtain a quote.


Flood Insurance
Flooding is the nation’s number one natural disaster.  While floods occur in every area of the country, many property owners remain unprepared.  Only flood insurance protects your home and your belongings from damage caused by rising water or mudflow. Flood insurance pays covered claims even if a federal disaster is not declared. Your home does not necessarily have to be beach front to be susceptible to a flood. Each year, 35% of all paid flood claims are for properties located outside of high-risk areas. Please contact our office for more information or to obtain a quote.


Boatowners / Yacht / Personal Watercraft Insurance
When you take to the water, insurance for your watercraft is as important as the lives on board. Many homeowners policies offer limited or no coverage for physical damage to or liability claims arising from use of a boat/yacht. If you have made the investment to own and operate a watercraft you’ll want to make sure your asset and its passengers are well protected. Below are some coverage options available:

  • Liability
  • Physical Damage
  • Uninsured Boat Coverage
  • Medical Payments
  • Towing and Assistance

Policies are available for small boats (under 26’) or yachts (26’ and over) as well as jet skis, sailboats, and houseboats. Please contact our office for more information or to obtain a quote.


Wedding Insurance
Why Wedding Insurance? Ever had a sleepless night, worry about what could go wrong? Unfortunately, some of what you’ve imagined can happen.  A bride’s most common “nightmare” is usually dress-related…it’s damaged or defective, or the bridal salon goes out of business.  Severe weather can wash out your big day or a sudden illness can postpone the event.  These are just some of the risks for one of the biggest investments you’ll ever make (the average U.S. wedding is $27,000). You’d protect your car, why not your wedding?

No Dress
You can get repair or replacement cost if the bride’s wedding gown or groom’s tuxedo is lost or damaged.

Lost Deposits
We can reimburse your deposit if a vendor goes out of business, declares bankruptcy before your wedding, or simply fails to show up.

Lost Rings
You can receive repair or replacement cost if the bride’s or groom’s wedding band is lost or damaged

Severe Weather
If severe weather (such as a hurricane) forces you to postpone your wedding, this type of insurance can provide reimbursement for non-recoverable expenses.

Transportation Shutdown
If you have to postpone your wedding because a commercial transportation shutdown prevents the bride or groom or their parents from getting there, you can receive reimbursement for non-recoverable expenses.

Ruined Photos
If your photographer’s film is defective, or negatives are lost or damaged, wedding insurance can help reconvene your wedding party to take new photos or video.

Call to Duty
If the bride or groom is unexpectedly called up to duty, or her or his military or service leave is revoked forcing you to postpone the event, we can provide reimbursement for non-recoverable expenses.

Venue Requires Insurance
As an additional option to your policy, you can add liability coverage to protect yourself in case a guest is injured or causes damage to property.

Sudden Illness
If the wedding needs to be rescheduled because sudden illness prevents the bride, groom or their parents from attending, you can receive reimbursement for non-recoverable expenses.

Additional Expense
If a vendor suddenly becomes unavailable for your event, but you can find a last minute replacement, this type of insurance would provide coverage for your reimbursement expenses.