Our Services

Auto Insurance

Even the best drivers can fall victim to expensive accidents on the road. Whether you’re the victim in a hit-and-run accident or you’re involved in a fender bender in rush hour traffic, accidents can happen at any time. You need the right auto insurance in place to protect your vehicle and the liability of your vehicle. If you’re looking for reliable and affordable car insurance in the Bay area, there’s no better place to turn than Adler Insurance Services, Inc.

Our experienced insurance reps can offer you and your family quality insurance coverage at exclusive discounts to ensure your automobile is protected at all times. It’s the kind of coverage that you deserve.

In the Bay area, car insurance can often be complicated, but it doesn’t have to be that way. At Adler Insurance, we are firm believers that your car insurance should be flexible to your needs, not the other way around. That’s why we provide flexible coverage solutions for all kinds of drivers. At our insurance agency, we’re proud to offer:

• Solutions for drivers with custom, classic, and electric vehicles

• Available and affordable protections for Uber and Lyft

• Coverage options for young drivers

We’re focused on protecting your wallet too! We’ll help you save even more money on your automotive insurance by rewarding you with savings for driving safely. Thanks to the Drivewise mobile app from Allstate, you get rewards every six months for safe driving. Just drive at safe speeds, make safe stops, and drive during safe hours to cut back on insurance costs and save yourself some money.

Homeowner’s Insurance

Your home is the biggest financial asset you own. But your piece of property represents much more than just another part of your financial portfolio. Your home is one of the most important parts of your everyday life, so it deserves the right protection to reflect that. You need effective and comprehensive homeowner’s coverage in place to ensure your property is ready for anything, whether that’s a falling tree or a bad hail storm. If you’re looking for quality homeowner’s insurance in the Bay area, we’re ready to help at Adler Insurance Services, Inc.

As California locals, we understand the trials and tribulations that your home endures every year because we’ve experienced it ourselves for decades. For that reason, our team of highly experienced insurance reps will go the extra mile for your property to ensure it’s properly protected.

Renter’s Insurance

Whether you’re renting a mid-rise apartment, a town-home, or a condominium, you shouldn’t rent the home without an insurance policy. As a renter, you don’t own the home, but you are still responsible for any damage that may occur. That means you need to find renter’s insurance in the Bay area that is not only comprehensive and dependable but also affordable. At Adler Insurance Services Inc., we aim to provide those kinds of quality insurance policies to renters just like you.

Our insurance agents are here to help ensure your possessions and your wallet are effectively protected from the unexpected.

Personal Property Isn’t Just A Part Of The Lease Agreement

Renter’s insurance has become a necessity for virtually every kind of renting situation. But that personal policy isn’t just a lease agreement, it’s also the best way to protect your belongings and yourself from liability. While policies can be slightly customized to the individual, your renter’s insurance help cover things in the event of a disaster or theft like:

• Your stuff - Clothing, electronics, furnishings, and other personal items.

• Additional living expenses - If your home becomes damaged or uninhabitable and you are displaced from it, your policy will cover your room and board until you can return home.

• Liability - Coverage for injuries and other damages that another party may sue for in the event of a disaster.

At Adler Insurance Services, Inc., we strive for transparency and customer education. While a renter’s insurance policy is a great investment, we want you to be aware of some of the uncovered risks you face as a tenant, such as:

• Damage from floods and earthquakes

• Damage to other people’s property

• Infestations (e.g., bed bugs, mice, birds, etc.)

• Intentional damage caused by a resident

Life is a precious and invaluable gift. While it’s important to cherish every possible moment, you also need to think about the moments that you won’t be around for. How will your family move forward once in the event of your passing? You might not want to think about that time, but you can never predict the future. That’s why it is so important to invest in a life insurance policy now before it’s too late. As an experienced provider of life insurance, Adler Insurance Services Inc. can help you prepare for the unexpected with the ideal policy for your needs.

There are certain individuals who can benefit the most from these life insurance policies. Here are just a few examples of those people:

• Young adults who want to lock in low rates

• People with dependents

• Individuals beginning new careers with dependents

• Adults who are expecting children

• Single parents

• Adults who own property together

• People who are retiring or nearing retirement age (63+ years old)

• Married pensioners

Available Coverage Options

When it comes to life insurance, there are essentially two main types of coverage. Each one comes with its own set of pros and cons, but both types offer a tax-free benefit to your beneficiaries if you pass away. These two types of coverage include:

• Term Life Insurance - Provides coverage for a set period of time (typically 1 to 30 years). This option is often the lower-priced policy option.

• Permanent Life Insurance - Provides lifelong protection for the individual and it can actually build cash value over time.

These two main forms of coverage can then break out into a multitude of different plans. For instance, there is:

• Universal Life Insurance - This coverage offers flexible protection for a lifetime that also includes various cash accumulation options.

• Whole Life Insurance - This option includes predictable lifelong protection with the most guarantees, including a fixed premium and death benefit.

• Variable Life Insurance - Another plan that includes different investment options for your cash value. It additionally offers flexibility in your death benefit.

While your condo may share some walls, it is still your home. So you should protect it like one by covering your interior walls, finishes, and property with the right insurance policy. Your HOA’s insurance policy covers your property, it likely doesn’t insure your personal property inside of your condo. Your furniture, clothes, and pieces of artwork all have plenty of value, and they deserve the right kind of coverage. To keep your things properly protected, you need personalized condo insurance from Adler Insurance Services Inc. We have a wealth of policy options to help you cover the assets in your residence, any building upgrades, and even supplement the master policy.

With our insurance reps at Adler, you’ll get the coverage that you deserve for your condominium.

If you’ve insured your home, car, or even your boat, then you’ve got a lot of your bases covered. However, all of those policies do not completely eliminate risk from your life. Unexpected accidents occur on a daily basis everywhere, and many can lead to costly lawsuits. When that surprise incident happens to you, will your coverage be enough to protect you and your wallet? If the answer is no, you need to acquire a personal umbrella policy sooner rather than later.

Personal umbrella policies can help you supplement the policies you have in place and protect your other assets that aren’t currently covered. At Adler Insurance Services Inc., we can develop a custom personal umbrella policy that fits perfectly with your needs and helps you avoid expensive accidents.

What Exactly Is A Personal Umbrella Policy?

A personal umbrella policy, or PUP for short, is a type of personal liability insurance that offers protection against large and potentially devastating liability claims or judgments. For instance, if a lawsuit was filed against you following an accident, a PUP may help protect you from liability in that case. This prevents you from having to pay a significant amount of money to cover the losses of your accident.

Your personal umbrella policy is designed to help protect you from all sorts of liabilities that go beyond what other types of insurance can protect. This safety net insurance plan may include coverage for:

• Bodily Injury - May cover medical costs, loss of income, and funeral expenses of other people involved in an accident.

• Available Personal Injury Sublimit - May cover things like false arrest, invasion of privacy, libel, slander, humiliation or defamation of another person’s character.

• Property Damage - May cover the physical destruction of someone else’s property.

• Landlord liability - May cover bodily injury to a tenant or property damage of a tenant who resides in your rental property covered by Allstate.

Sometimes it can help to picture your personal umbrella policy quite literally as an umbrella in the pouring rain. It offers you blanket protection across a wide range of losses to help keep you, your family, and your finances safe.

There is nothing quite as exhilarating or fun as cruising around on your boat, snowmobile, or ATV. But just because you’re not driving a vehicle on the road, it doesn’t mean you don’t need protection. Boats, ATVs, and even RVs can get damaged or stolen when you least expect it. By purchasing recreational vehicle insurance, you’ll keep your grown-up toys protected and gain absolute peace of mind.

Whether you’re looking to protect your snowmobile or acquire boat insurance in the Bay area, you’ve come to the right place. At Adler Insurance Services Inc., we’ll help you find the right coverage that fits you and your needs, so you can experience all of your adventures to the fullest.

Between your Sunday rides through the Bay area and your scenic cross-country road trips, you go on all kinds of adventures on your motorcycle. But anything can happen on those adventures, and you don’t want a minor accident to ruin your fun. For that reason, it’s important to ensure you have yourself and your motorcycle covered at all times. With the right motorcycle insurance, you’ll gain the protection you need to have absolute peace of mind on your exhilarating rides. That’s where we come in at Adler Insurance Services, Inc.

Our experienced insurance agents are here to help make your life easier by helping you acquire the right coverage for your needs.

Coverage For All Of Your Adventures

At Adler Insurance Services, Inc., we understand how important your motorcycle is to you. That’s why we offer a wide range of coverage options for your bike or scooter so you can be effectively protected from every possible angle without going over your budget. Here’s just a taste of the different types of coverage that we can provide for you:

• Liability coverage - This coverage option may help cover the costs of another person’s medical bills or property repairs if you are found to be at fault for an accident. This coverage is a requirement in most states.

• Collision coverage - If your bike is damaged in a collision with another vehicle or object, this coverage may help pay to repair or replace your ride.

• Comprehensive coverage - In the event that your bike incurs damage due to incidents like fire, theft, or vandalism, this coverage helps pay for your repairs or replacements.

• Uninsured/Underinsured motorist coverage - This option protects you in the event your bike is hit by a driver who doesn’t have insurance or enough coverage to pay for your repairs.

With your customizable motorcycle insurance policy, you’ll be able to ride easily knowing that your bike is covered and that you’re protected from the liability that goes along with operating your ride.

Whether you own a cat, a dog, or a few birds, your pets feel like family to you. Those furry companions are an essential part of your household and will hopefully continue to be for many years to come. But sooner or later, your pets will need to take a trip to the vet, and when that happens, you’ll be glad you had pet insurance. Your pets deserve to be insured just like your other family members and that policy can significantly reduce your out-of-pocket expenses. At Adler Insurance Services, Inc., we can provide you with reliable and affordable pet insurance in the Bay area.