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Auto Insurance

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The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.

Insurance for cars, trucks, boats and more!

101 Insurance Group can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us for more information today!

California – How much auto insurance is right for you?

Based in Garden Grove, our team understands the auto insurance needs of our customers.

Auto insurance requirements vary by state. In some states, to drive you must carry:

  • Liability coverage – to pay for losses you cause others, or:
  • No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
  • Both liability and no-fault coverage.

We write insurance in California and would be happy to help you ensure you have the right coverage for where you live.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

Every person is unique

Talk to us today to find out how to get the best price and value on auto insurance for you.

Call for a quote today at (714) 893-7112.

Home Insurance

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Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. 101 Insurance Group can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.


Insurance for All Kinds of Homes

Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!


CA – What you need to know about homeowners insurance


Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.


101 Insurance Group is here to help you find the right insurance for your home


Whether you’re a home or condo owner, a renter, or a landlord, 101 Insurance Group work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.

Your home insurance policy is most often made up of the specific options you choose, so how much you'll pay for your policy depends on:

  • What you select. Oftentimes homeowners insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy.
  • How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
  • Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
    • Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage. Contact our office for a no-obligation quote at (714) 893-7112.
The Right Coverage. The Right Price. The Right Value

The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.

Protection for Your Home

Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

Protection for You and Other People

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.

  • When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
Medical Coverage

This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Additional Living Expenses

If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.

Protection for Your Belongings

Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Scheduled Personal Property Coverage

If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.

If You Rent Out Your Home

Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Contact our office for a no-obligation quote at (714) 893-7112.

Southern CA – Protect the Things that Matter to You

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.

Business Owners Policy – Serving California

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As a business owner, you strive to make decisions that are right for your business, your employees and yourself. This includes decisions about business insurance. You know you need excellent coverage. You don't, however, have time to become an expert in business insurance. That’s where 101 Insurance Group can help.

A Business Owners Policy (BOP) combines property, liability and business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than when purchasing coverage separately. With a BOP you have the ability to customize the policy to meet your individual business needs.

Perhaps you need general liability coverage that includes operations. Or, you need to add business auto coverage or commercial property insurance. Whether you are a home-based business, small service provider or contractor, 101 Insurance Group will work with you to find the right combination of business insurance coverage to meet your specific needs. Contact us today!

Commercial & Business Insurance
– Insurance coverage that helps protect your business
  • General Liability Insurance – Broad insurance coverage for your business and activities.
  • Commercial Property Insurance – Protect your business with insurance for your commercial property.
  • Business Auto Insurance – Cover your business with insurance for commercial vehicles.
  • Commercial Umbrella Insurance – Insurance coverage that helps protect your business from the rising costs of lawsuits.
  • Workers' Compensation Insurance – Insurance coverage that helps you take care of your employees.
  • Bonds - Protect your assets with financial backups for promises made by others.
    • Supplemental Coverage Available
      • Extended liability for additional insureds.
      • Debris removal, personal property.
      • Tools and equipment.
      • Valuable records protection and accounts receivable.
        • In addition to advising you on the right coverage, we provide additional services, such as:

          • Loss Prevention Programs — with our insurance company partners, we can evaluate your business's current conditions and recommend ways to lower property, auto, workers compensation or liability losses. Lower losses will not only lower your insurance costs, but also increase your productivity by avoiding downtime.
          • Quick Claim Response — when you do have a claim and need fast and fair service, we work with you to make that happen. That's why we only represent companies with excellent records for settling claims fairly and promptly.
          • Competitive Rates — many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special coverage and pricing.
            • To see if your business qualifies for one of these special programs, contact 101 Insurance Group for more information. Give us a call at (714) 893-7112.

Workers' Compensation

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Workers’ compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

101 Insurance Group can help your business find complete solutions to your unique workers compensation insurance needs. We’ll find solutions that create safer and more productive workplaces, more confident and secure workers and overall savings you'll see on the bottom line.

Coverage for office workers using their own vehicles on company business is often needed, as well. If you have employees, it is critical that you consider this workers compensation coverage.

California - What you need to know about workers compensation insurance

Some Workers Compensation coverage can include:

  • Innovative payment systems
  • Medical disability case managers
  • Utilization management nurses
  • Certified life care planning nurses
  • Vocational rehabilitation consultants
  • Physician consulting services
  • Legal staff
  • Contracts with medical network providers
  • Managed prescription drug program

Health Insurance

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A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy from 101 Insurance Group.

Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. 101 Insurance Group can help you find an affordable healthcare plan that’s right for you. Call (714) 893-7112 and talk with one of our friendly agents today to learn more.

What are the major types of health insurance policies in California?

There are basically three major types of health insurance policies for California residents to choose from--consumer-directed, fee for service, and managed care. These health insurance plans help cover your medical, surgical, and hospital expenses. They may even cover dental expenses, mental health services, and prescription drugs, depending on the coverage you choose.

Consumer-directed

A consumer-directed health plan (a.k.a. “consumer-driven” or “consumer choice”) is a newer type of healthcare plan that’s designed to give you more control. As part of the plan, you setup a health fund that can be used to cover medical expenses.

Fee for Service

A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider.

Managed Care

Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of service (POS) plans.

Common Health Insurance Terms

When discussing health insurance with a 101 Insurance agent, it helps to understand some of the common terms you’ll run into. Below you’ll find definitions to some of the most common health insurance terms.

Deductible - the amount of money you pay toward medical bills before your insurance coverage begins.

Co-pay - a specified amount of money you pay upfront for doctor visits and prescription refills.

Coinsurance - the percentage of medical bills you pay after meeting the deductible.


To learn more about health insurance, call 101 Insurance Group at (714) 893-7112 and talk with one of our agents today. We’re right here in California ready to guide you toward a more secure future.

Life Insurance

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What You Need to Know About Life Insurance

Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone.

Don’t leave the future of you and your loved ones to chance. 101 Insurance Group can help you find the right life insurance coverage for you, and help ensure that your policy continually meets your needs.

Life changes – so should your policy

For each of our neighbors in California, the right life insurance will be unique for you and dependent on your personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life transformations that may require a policy “tune-up” and our help at 101 Insurance Group include:

  • You recently married or divorced
  • You have a new child or grandchild
  • You have opened or expanded a business
  • Your health or your spouse’s health has deteriorated
  • You are providing care or financial assistance to a parent
  • Your child or grandchild requires assistance or long-term care
  • You recently purchased a new home
  • You are planning for a child or grandchild’s education
  • You are concerned about retirement income
  • You have refinanced your home mortgage in the past six months
  • You or your spouse recently received an inheritance
  • You have a sizable estate

    • California – What you need to know about life insurance

      101 Insurance Group can help you select the best life insurance coverage for your needs. There are several different types of life insurance products available – the most common include:

      Term Life Insurance

      Term life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 20-year (level term) period. Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

      Whole Life Insurance

      Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.

      Universal Life Insurance

      Universal life is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.


      What are the advantages of life insurance?

      Having the right life insurance is essential to planning for your present, and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.

      Advantages of the life insurance death benefit: When you pass away, your life insurance provides income tax-free money to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes or virtually any financial need. Your policy can help provide security for your business security as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.

      Advantages of Living Benefits: The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.

      The right life insurance coverage for each and every one of our neighbors in California is unique – talk with the 101 Insurance Group team today to find out how to protect your family and your future with the right life insurance.

Medicare Insurance

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Medicare is a federal program that provides health coverage if you are 65+ or have a disability under 65, no matter your income. Our Medicare specialists will help select the right policy for you, so you can feel secure about your hospital care. Let’s start today.

What Does Medicare Cover?

There are four parts of Medicare:
- Part A provides inpatient and hospital coverage.
- Part B provides outpatient and medical coverage.
- Part C offers options for extra coverage that includes vision, dental, and wellness care. You can only apply for this if you’re enrolled in both Part A and B.
- Part D provides prescription drug coverage.

What Does Medicare Not Cover?

Medicare doesn't cover everything. Some of the items and services Medicare doesn't cover include:
- Long-term care (also called custodial care)
- Most dental care
- Eye exams related to prescribing glasses
- Dentures
- Cosmetic surgery
- Acupuncture
- Hearing aids and exams for fitting them
- Routine foot care

If you need services Medicare doesn’t cover, you’ll have to pay for them yourself unless you have other insurance or a Medicare health plan that covers them. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are another way to get your Medicare coverage.

Medicare Advantage Plans

Medicare Advantage Plans are offered by Medicare-approved private companies that must follow rules set by Medicare. These plans provide Part A and Part B benefits and also offer prescription drug coverage (Part D). The following plans are the most common types of Medicare Advantage Plans:
- Health Maintenance Organization (HMO)
- Preferred Provider Organization (PPO)
- Private Fee-for-Service (PFFS)
- Special Needs Plans (SNPs)
- Medical Savings Account (MSA) Plans

Who is Eligible? You must be enrolled in Medicare Part A and Part B. You must live in the service area of a Medicare Advantage insurance provider that is accepting new users during your application period. You must also be a U.S. citizen, U.S. national or lawfully present in the U.S. You must not have ESRD.

101 Insurance Group can help you find the right plan that’s right for you. Call (714) 893-7112 and talk with one of our friendly agents today for a free consultation.

Medicare Supplement Plan (Medigap)

A Medicare Supplement plan, often called “Medigap”, is a private insurance policy that covers some of the health care costs that Medicare does not cover.

These costs can include out-of-pocket expenses such as copayments, coinsurance and deductibles. With health care and out-of-pocket costs for Medicare participants on the rise, a Medicare Supplement plan can give you “peace of mind”.

Who is Eligible? You must be enrolled in Medicare Part A and B. You must be a resident of a state where the policy is offered. You must also be 65 or older unless you have a qualifying disability or End-Stage Renal Disease (ESRD) or Lou Gehrig’s Disease.

Call (714) 893-7112 and talk with one of our friendly agents today for a free review.

Prescription Drug Coverage (Part D)

Medicare Part D provides prescription drug coverage for Medicare enrollees.

You can obtain Part D coverage through a stand-alone drug plan (PDP) or Medicare Advantage plan (MA-PD) inclusive of Part D coverage within the plan.

There are no single monthly premiums and deductibles for Part D prescription drug coverage. Each drug plan sets its own premiums, deductibles, copays, and the range of drugs that it covers.

Who is Eligible? You must be eligible for Medicare Part A and have Part B coverage. You need to apply during a Part D enrollment period (October 15 to December 17). If you already have a Medicare Advantage Plan, you may not be eligible for a Part D plan, depending on the type of plan you are enrolled in.

Call (714) 893-7112 and talk with one of our friendly agents today to see which plan would be best suited for you.

When Should I Apply?
Initial Enrollment Period

When you first become eligible for Medicare, you can sign up during your Initial Enrollment Period. This is the 7-month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65. If you sign up during the first 3 months of your Initial Enrollment Period, in most cases, your coverage starts the first day of your birthday month. However, if your birthday is on the first day of the month, your coverage will start the first day of the prior month. If you enroll the month you turn 65 or during the last 3 months of your Initial Enrollment Period, your start date for coverage will be delayed.

Open Enrollment Period (October 15 – December 7)

Anyone with Medicare can join, switch, or drop a Medigap, Medicare Advantage or drug plan. Your coverage will begin on January 1, as long as the plan gets your request by December 7.

General Enrollment Period (January 1 – March 31)

If you already have Part A coverage and you get Part B for the first time during the General Enrollment Period (January 1— March 31), you can also join a Medigap or Medicare Advantage Plan at that time. Your coverage may not start until July 1.

Get a Quote Today

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