|
|
Your Trusted Independent Insurance Agency
in Calaveras County
Since 1983, Gerard Insurance Services has been dedicated to providing reliable, personalized insurance solutions for individuals, families, and businesses in Calaveras County and surrounding areas. As the largest independent insurance agency in the region, we take pride in offering a hometown touch with the expertise and resources to protect what matters most to you.
Why Choose Gerard Insurance Services?
At Gerard Insurance Services, we believe that insurance is more than just policies and paperwork—it’s about peace of mind. Whether you’re protecting your home, vehicle, business, or family's future, our team is committed to helping you navigate your options with honest advice and top-tier service.
Why Choose Gerard Insurance Services?
At Gerard Insurance Services, we believe that insurance is more than just policies and paperwork—it’s about peace of mind. Whether you’re protecting your home, vehicle, business, or family's future, our team is committed to helping you navigate your options with honest advice and top-tier service.
What Sets Us Apart?
|
Over 40 Years of Experience –
Established in 1983 by Fred Gerard, Gerard Insurance Services has been serving Calaveras County for over four decades. Locally Owned & Operated – We are not a corporate chain. We understand the unique insurance needs of our local communities. Personalized Customer Service – No call centers or automated systems- real people, real service. |
Wide Range of Insurance Options –
We offer auto, home, business, life, farm, health insurance and more. A Community-Driven Business – We support and give back to the local communities we serve. Convenient & Reliable – With a permanent location in San Andreas, we’re always here when you need us. |
|
|
Proudly Serving Calaveras County & Beyond
At Gerard Insurance Services, we proudly serve clients throughout
Calaveras County and surrounding areas, including:
Calaveras County and surrounding areas, including:
|
📍 Calaveras County
📍 Murphys 📍 Arnold 📍 Valley Springs 📍 Angels Camp 📍 San Andreas |
📍 Mountain Ranch
📍 Mokelumne Hill 📍 West Point 📍 Burson 📍 Amador County 📍 Tuolumne County |
If you live in any of these areas, you can count on us for local, personalized service. |
Why Local Matters
Choosing a local insurance agency like GIS means working with people who understand your unique needs.
Unlike big-box insurance companies, we provide:
Unlike big-box insurance companies, we provide:
- Personalized Service – Speak to an agent who knows you and your community.
- Local Expertise – We understand Calaveras County's, and surrounding areas, specific insurance risks.
Experience the Gerard Insurance Services Difference
At Gerard Insurance Services, our mission is to provide top-tier insurance solutions with a personal touch.
When you choose GIS, you’re choosing:
- A knowledgeable, friendly team that truly cares about your needs.
- Competitive rates and customized policies.
- A company that values honesty, integrity, and long-term relationships.
- Let us help you find the right insurance policy—at the right price.
Call us today or stop by our office.
FAQ's
What types of insurance do I really need?
It depends on your situation, but the most common types people typically need are auto, home (or renter’s), health, and life insurance. Business owners may also need commercial coverage.
How is my insurance premium determined?
Your premium is based on factors like your age, location, coverage type, policy limits, claims history, credit score, and the value of what you're insuring.
What’s the difference between actual cash value and replacement cost?
- Actual Cash Value (ACV): Pays what your item is worth today, factoring in depreciation.
- Replacement Cost: Covers the cost to replace the item with a new one of similar kind and quality, without depreciation.
Do I need insurance if I don’t own a car or home?
Yes — renters insurance, health insurance, and life insurance are still important. Renters insurance protects your belongings, health insurance covers medical expenses, and life insurance provides financial security to loved ones.
Is it cheaper to bundle my home and auto insurance?
Usually yes — many insurance companies offer discounts if you bundle multiple policies like home and auto, or home, auto, and life insurance together.
What is a deductible?
A deductible is the amount you pay out-of-pocket before your insurance kicks in on a covered claim. Higher deductibles typically mean lower premiums, and vice versa.
How often should I review my insurance policies?
At least once a year or any time you have a major life event like buying a home, getting married, having a child, or starting a business.
Can I adjust my coverage limits?
Yes — you can increase or decrease your coverage limits to better fit your needs and budget. It’s smart to review these limits regularly to make sure you’re properly protected.
What does liability insurance cover?
Liability insurance covers you if you're legally responsible for injuring someone else or damaging their property. This is a crucial part of auto, home, and business insurance.
Why should I use a local insurance agent instead of buying online?
A local agent provides personalized service, local knowledge, expert advice, and ongoing support — things you won’t always get from an online-only policy.
