Protect Your Property

Your home is one of your most valuable assets, and whether you own, rent, or lease property to tenants, having the right insurance coverage is essential.

​At Gerard Insurance Services, we offer comprehensive home, renter's, and landlord policies to protect you from unexpected events like fire, theft, natural disasters, and liability claims. ​ Our experienced agents provide personalized insurance solutions that fit your needs and budget.

Home Insurance –
​Protect Your Most Valuable Investment

​Owning a home is a major milestone, and protecting it with the right home insurance policy is crucial.

Your home is vulnerable to storms, fires, theft, and liability risks, but with the right coverage, you can have a peace of mind knowing you're protected.

Our team works with top-rated insurance providers to
 help you find the best coverage at competitive rates.

• Dwelling Coverage – ​Pays for repairs or rebuilding if your home is damaged by fire, wind, or other covered disasters.
• Personal Property Coverage – Protects your belongings, including furniture, electronics, and clothing.
• Liability Protection – Covers medical and legal expenses if someone is​ injured on your property.

• Loss of Use Coverage – Pays for temporary living expenses if your home becomes uninhabitable.
• Additional Coverage Options – Flood insurance, earthquake insurance, and umbrella policies available.

​Renter’s Insurance –​
Affordable Protection for Tenants

Renting a home or apartment? Your landlord insurance only covers the building, not your personal belongings.
​
​That’s why renter's insurance is a smart investment. It’s an affordable way to protect your valuables and ensure financial security if the unexpected happens.

Even if you don’t own a home,
​your furniture, electronics, and valuables still deserve protection.

• Covers Personal Property – Protects your belongings from fire, theft, and vandalism.
• Liability Coverage – Pays for legal expenses if you accidentally cause damage to the property or injure someone.

• Loss of Use Coverage – Covers temporary housing costs if your rental becomes unlivable.
• Affordable & Flexible – Policies are budget-friendly and customizable to fit your needs.

​Landlord Insurance –
Secure Your Rental Property Investment

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​If you own a rental property, standard homeowners insurance won't cover
​tenant-related risks.
​
​Landlord insurance provides the protection you need against property damage, loss of rental income, and liability claims. 

As a property owner, your investment is valuable-
​make sure it’s fully protected with the right landlord insurance policy.​

• Property Damage – Covers damage from fire, storms, or tenant negligence.
• Liability Protection – Pays for legal fees if a tenant or visitor is injured on the property
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• Loss of Rental Income – Covers lost rent if the property becomes uninhabitable due to a covered event.
• Optional Coverage – Vandalism, burglary, and equipment breakdown coverage available.

​Why Choose Gerard Insurance Services?

• Locally Owned & Operated – We understand the unique insurance needs of Calaveras County residents.
• Customized Policies – We tailor coverage to fit your specific situation.
• Affordable Rates – We work with top insurance carriers to find you the best deal.
• Fast & Friendly Service – Get expert advice and assistance when you need it.
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No matter where you live, we are here to help you find the best insurance coverage for your home, rental, or property investment.

Get a Free Quote Today!

​Don’t leave your home, belongings, or rental property unprotected.
​
​Contact Gerard Insurance Services today to discuss your home, renter's or landlord insurance options and get a free, no obligation quote.