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Auto Insurance Coverage You Can Count On

Protection designed to keep you and your vehicle covered through life’s daily drives.

Auto Insurance:

Coverage That Goes the Distance

Driving in California comes with unique risks, from busy highways to uninsured drivers. At Connally Insurance Agency, we provide more than just auto policies; we offer guidance on the protection that truly matters when the unexpected occurs.

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Real Protection

Understand the difference between basic coverage and comprehensive protection for your peace of mind.

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Umbrella Policies

Explore how umbrella policies can safeguard you against serious claims and legal actions.

Boat Insurance

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Bodily Injury Liability

Problem:
Bodily injury liability coverage pays for injuries you cause to others in an accident. A potential liability arises if your insurance limits are too low to cover all medical costs, lost wages, or legal fees of the injured party. In that case, you may be personally sued for the difference.

Solution:
Carry higher liability limits than the state minimum (e.g., 100/300 rather than 25/50) to better protect your personal assets. Consider an umbrella policy for additional liability coverage beyond your auto limits.

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Property Damage Liability

Problem:
This coverage pays for damage you cause to someone else’s property (usually their vehicle). If the damage exceeds your policy limit—especially if you crash into multiple cars, expensive property, or a structure—you may be personally responsible for the excess.

Solution:
Increase your property damage liability coverage above the standard minimum (e.g., $100,000 or more). This ensures you’re better protected from out-of-pocket costs if you cause extensive damage.

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Uninsured and Underinsured Motorist (UM/UIM)

Problem:
If you’re hit by a driver who has no insurance or insufficient coverage, you may be stuck with medical bills or vehicle repairs that their insurance won’t cover. Many people are underinsured, leaving a major coverage gap.

Solution:
Add UM/UIM coverage that matches your bodily injury limits to your policy. This ensures you're financially protected if the at-fault driver lacks adequate insurance, especially in states with high rates of uninsured drivers.

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Comprehensive Coverage

Problem:
Comprehensive covers non-collision-related incidents like theft, vandalism, fire, or natural disasters. Without this coverage, you’d have to pay out-of-pocket for these damages, which can be costly and unpredictable.

Solution:
Include comprehensive coverage in your policy, especially if your vehicle has moderate-to-high value. Choose a deductible that balances affordability with protection. If leasing or financing your vehicle, this coverage is often required.

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Collision Coverage

Problem:
Collision coverage pays for damage to your car from crashes, regardless of fault. Without it, you bear the full cost of repairs or replacement if you're at fault or in a hit-and-run. This is especially risky for newer or expensive vehicles.

Solution:
Maintain collision coverage if your car is newer or still has significant market value. Select a deductible that makes sense for your financial situation. Once your vehicle’s value declines significantly, consider dropping this coverage.

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Medical Payments Coverage (MedPay)

Problem:
MedPay covers medical expenses for you and your passengers, regardless of fault. Without it, you may struggle with upfront costs before health insurance kicks in, or if you lack health insurance altogether.

Solution:
Add MedPay for quick access to funds for ambulance fees, emergency care, or deductibles. It’s particularly useful in no-fault states or if you have a high-deductible health plan. Coverage limits are typically low ($1,000–$10,000) but helpful for immediate needs.

More Than Just Homes and Autos—We Cover All Your Wheels and Watercraft

At Connally Insurance Agency, we go beyond the basics. We understand that protecting your lifestyle means covering everything that moves you—on the road, on the water, and everywhere in between.

Insurance For

Mobile homes, motorcycles, boats, RVs, ATVs, and classic cars are all covered.

Comprehensive Coverage

Tailored insurance solutions for every lifestyle and adventure await you.

Boat Insurance

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Recreational Vehicles

Problem:
Most people think they need insurance to cover damage to their boat, ATV, or motorcycle. The problem is that loss is limited to the value of the vehicle. Liability losses resulting from accidents are unlimited.

Solution:
A policy for your recreational vehicles covers the vehicle in the event of damage or loss but more importantly it protects against liability. Be protected while doing the things you love.

Auto Insurance Details Extended

Umbrella Insurance

Umbrella insurance is a type of personal liability policy that provides extra protection beyond the limits of your standard homeowners, auto, or boat insurance. It acts as a financial safety net in the event of large claims or lawsuits.

  • Excess Liability Coverage – Offers additional coverage above your existing policy limits.
  • High Coverage Limits – Typically between $1 million and $5 million or more.
  • Coverage for Unseen Cases – Legal expenses are covered even if you’re not found liable.
  • Broad Risk Protection – Includes coverage for slander, libel, arrest, and more.
  • Affordable Premium – High value for cost, especially compared to the protection it offers.
  • Worldwide Coverage – Protects against incidents occurring outside the U.S.
  • Minimum Underlying Requirements – Must retain liability limits on auto/home before being eligible.
Motor Home Insurance

Motor home insurance protects your recreational vehicle both as a vehicle and a living space. It covers accidents, damage, theft, personal property, and liability.

  • Cover Driving and Road Use – Covers accidents and insurance-style coverage.
  • Personal Property Coverage – Includes belongings kept inside the RV.
  • Vacation Liability – Offers protection while the RV is used as a temporary residence.
  • Emergency Expense Coverage – Covers lodging and transport if RV breaks down.
  • Comprehensive Coverage – Includes theft, fire, flood, and storm damage.
  • Collision Equipment Coverage – Includes upgrades like solar power or awnings.
Mobile Home Insurance

Mobile home insurance protects against damage to your mobile or manufactured home and covers permanent belongings, liability, and additional living expenses.

  • Dwelling Protection – Insures the physical structure against fire, weather, and other perils.
  • Personal Property Coverage – Includes coverage for contents like furniture and electronics.
  • Liability Coverage – Helps pay for legal expenses or medical costs if someone is injured.
  • Loss of Use – Pays for temporary housing if home becomes unlivable.
  • Trip Collision Coverage – Extends coverage as the home is moved.
  • Optional Riders – Fire, floods, tornadoes, or water backups.
  • Age & Location Affect Premiums – Older homes may have limited coverage or higher costs.
Boat Insurance

Boat insurance protects personal watercraft against physical damage and liability while in use or in storage. Policies are based on boat type, size, and usage.

  • Hull Coverage – Insures the boat and permanently attached equipment.
  • Liability Protection – Covers injury or damage you cause to others.
  • Agreed vs. Actual Cash Value – Affects how claims are settled.
  • Uninsured Boater Coverage – Protects you if hit by someone without insurance.
  • Navigational Limits – Coverage may apply geographically limited waters.
  • Towing & Assistance – Includes breakdown assistance on the water.
  • Winter Storage Options – Many waive premiums when not in use.
Motorcycle Insurance

Motorcycle insurance provides protection for riders, bikes, passengers, and others in the event of accidents, theft, or damage. It’s legally required in most states.

  • Liability Coverage – Required for bodily injury and property damage.
  • Collision & Comprehensive – Covers theft, collisions, fire, and weather-related damage.
  • Medical Payments Coverage – Pays for hospital bills regardless of fault.
  • Custom Parts Coverage – Covers non-standard add-ons for your bike.
  • Roadside Assistance – Helps with towing and mechanical repairs.
  • Uninsured/Underinsured Protection – Protects against uninsured drivers.

Welcome!

5 Star Rating Image
"I have used this farmer insurance for many years now and they take care of all my business needs for insurance and general liability. they are easy to work with, respond quickly if you have questions and get the job done in a timely manner. they're great."

Jennifer Y


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"Farmers has always come through for my insurance needs in spite of higher insurance rates. All staff are friendly and responsive especially Monica Arellano who is professional and thorough. "

Dennis A


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