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Bains & Woodward Insurance Services Inc.

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Auto Insurance

Auto Insurance Coverage

 

Auto Insurance Articles

How much auto insurance coverage should i carry?

Uninsured motorist on the rise

The truth about insurance company billing fees

Do I get an auto insurance discount for continuous coverage?

Where do I find the best auto insurance rate?

How do I choose what deductible to carry on my auto insurance?

Will traffic school keep my auto insurance rates down?

Shop your insurance before you buy your next car

Long commutes raise insurance rates

Auto insurance good student discount

What is an SR22?

What is Prop103?

Insurance CLUE report

The independent insurance agents advantage

Zip code insurance rating

The good driver advantage

The 12 month policy

The 25 year old age myth

 

Homeowners Insurance

Homeowners Insurance Coverage

 

Homeowners Insurance Articles

Do I have enough homeowners insurance to rebuild my home?

What is homeowner content replacement cost?

The truth about homeowner insurance extended replacement cost

Does my old heating system effect my homeowner insurance

Where not to save on your homeowner insurance

The catasrtophic loss

High brush areas limit homeowner insurance options

Proper homeowner insurance coverage for a custom home

Inflation guard

Homeowner insurance home business exclusion

New home buyer discount

Married couples pay less for homeowner insurance

Dog problems

Where is the responding fire station?

Raise deductible do not lower coverage

Buy the higher liability limit on your homeowner insurance

What to ask your agent

The fence claim

Your homeowner insurance company does not want the tree on your house

Homeowner insurance inspection

 

Flood Insurance

Flood Insurance Coverage

 

Flood Insurance Articles

What is a preferred risk?

Is my home eligible for grandfathering?

Now I am in a high risk flood zone

What is a high risk flood zone?

What type of areas flood?

How much coverage can I purchase?

The 30 day waiting period

Do I need flood insurance?

The experienced flood insurance agent

What is a pre-firm home?

Do I need an elevation certificate?

Sacramento flood insurance

 

Commercial Insurance

Commercial Insurance Specialty

Lawn Maintenance

Landscaper

Handyman

Contractor

Smog Shop

Body Shop

Mechanic Shop

Convenience Store

Gas Station

Glass Repair

Janitorial

 

Apartments

Lessors Risk

Vacant Building

Vacant Land

Builders Risk

 

Accountants

Restaurants

Photography

Dry Cleaners

Tattoo & Piercing

Salon

Spas

Retail Stores

Coffee Shops

 

Pick Up Truck

Box Truck

Cargo Van

Catering Truck

Flat Bed Truck

Delivery Van

Bucket Truck

Car Carrier

Tow Truck

Stake Truck

Refrigerated Truck

Dump Truck

Pump Truck

Tank Truck

Semi Truck-Tractor

 

Standard

High Risk

Pay As You Go

 

Wedding

Birthday Party

Anniversary

 

Building Coverage

Farm Liability

Scheduled Equipment

Additional Structures

Equipment Breakdown

 

 

 

License # 0G13612

 


California Insurance Code

1-48

100-124.5

125-140

150-151

170-172

250-253

280-287

300-305

330-339

350-361

380-395

410-413

430

440-449

460

480-491

500

510

515

520

530-533.7

550-557.5

560

570-572

580

590-591

620-623

650-651

655

657-658

660-669.5

669.7

670

671

672

673

674-674.9

675-679.7

679.70-679.73

679.9

680

685-685.4

688-688.5

690

699-728

729-738

739-739.12

740-742.1

742.20-742.43

750-754

755-758.7

759-765

769-769.55

769.80-769.87

770-776

777.1-777.3

778-778.4

779.1-779.36

780-784

785-789.10

790-790.15

791-791.28

795-795.7

796.01-796.04

799-799.10

800-804

810

815-816

820-860

880-886

900-925.4

926.1-926.2

928

930-934

939-956

980-989

995-995.7

997

1010-1062

1063-1063.17

1063.50-1063.68

1063.70-1063.77

1064.1-1064.13

1065.1-1065.7

1067-1067.18

1068-1068.2

1070-1076

1077-1077.95

1080-1091

1100-1107.1

1110-1113

1140-1142

1152-1155

1170-1182

1185-1187

1190-1202

1210

1211-1212

1215-1215.16

1216-1216.6

1220-1221

1230-1239.5

1240-1242

1250-1254

1260

1280-1284

1300-1315

1320-1330

1350-1350.5

1370-1375

1390-1402

1420

1430-1434

1450-1453

1470

1500

1510-1512

1530-1531

1540

1550-1559

1560-1560.19

1561

1580-1599

1600-1605

1610-1620

1620.1-1620.7

1621-1624

1625-1630

1631-1651

1652-1661

1662-1665

1666-1673

1675-1684

1685-1700

1702-1707.7

1708-1712.5

1716-1723

1724-1736.5

1737-1748.5

1749-1749.9

1750-1751.7

1752-1757

1757.1-1757.3

1758.1-1758.5

1758.6-1758.693

1758.7-1758.792

1758.8-1758.891

1758.9-1758.994

1759-1759.10

1760-1780

1780.50-1780.67

1781.1-1781.14

1800-1823

1831-1849

1850.4-1851.1

1853.5-1853.9

1853.95-1853.97

1855-1855.5

1856

1857-1857.4

1857.5-1857.9

1858-1858.7

1859-1859.1

1860-1860.3

1861.01-1861.16

1862-1864

1870

1871-1871.9

1872-1872.96

1873-1873.4

1874-1874.8

1874.85-1874.87

1874.90

1875-1875.8

1875.10-1875.18

1875.20-1875.24

1876-1876.5

1877-1877.5

1879-1879.8

1880-1886

1900-1905

1920-1927

1940-1945

1960-1997

2010

2030-2032

2050-2060

2070-2084

4010-4019

4020-4023

4030-4034

4040-4044

4050-4052

4060-4064

4070

4080-4081

4090-4096

4097-4097.20

5050-5063

5080-5081

5090-5094

6010-6021

6040-6050

6070-6072

6090-6091

7010-7018

7030-7031

7040-7044.5

7045-7049

7050

7060

7080-7093

8010-8011

8030-8031

8050-8053

8070-8078

8090-8097

9010-9012

9030-9031

9050

9060

9080-9103

10020-10022

10040

10050-10052

10070-10080

10081-10089.4

10089.5-10089.54

10089.70-10089.83

10090-10100.2

10101-10107

10108-10108.1

10110-10127.18

10128-10128.4

10128.50-10128.59

10129-10133.9

10134-10139.5

10140-10145.4

10146-10149.1

10150-10154

10159.1-10167.5

10168-10168.93

10169-10169.5

10170-10180

10190-10192

10192.1-10192.24

10198.6-10198.9

10199

10199.1-10199.48

10199.5-10199.9

10200-10214

10220-10225

10231-10231.8

10232-10233.9

10234-10234.7

10234.8-10234.97

10235-10236.8

10237-10237.6

10240-10252

10270-10279

10290-10293

10295-10296

10320-10328

10350-10354

10369.1-10369.12

10380-10390

10395

10400-10402.1

10430-10436

10440-10443

10450-10436

10478-10489

10489.1-10489.95

10490-10505.1

10506-10506.5

10507-10507.4

10507.5

10508-10508.8

10509-10509.9

10509.950-10509.965

10509.970-10509.975

10510-10512

10530

10540-10541

10600-10609

10700-10701

10702-10718.7

10719-10729

10730-10749

10785

10800-10803

10810

10820-10826

10830

10840-10845

10850-10856

10860-10861

10870-10873

10880

10885-10887

10900-10902.6

10970-10976

10990-10993

11010-11033

11040-11044

11060-11073

11090-11112

11120-11146

11160-11165

11400-11407

11420-11422

11440-11443

11460

11470-11472

11490

11520-11524

11525-11528

11529-11533

11535-11549

11550-11558

11580-11589.5

11590-11593

11600-11602

11620-11627

11628-11629.5

11629.7-11629.85

11630-11631

11650-11665

11690-11703

11730-11742

11750-11759.2

11760-11760.1

11761

11770-11805

11820-11822

11840-11846

11860

11870-11874

11880-11881

11885-11886.2

11890-11892

12050-12055

12070-12072

12090-12093

12095-12907

12100-12122

12124

12125-12129

12140-12160

12160-12170

12250-12256

12280-12281

12311

12340-12342

12350-12360

12370-12377

12380-12388

12389-12389.6

12390-12394

12396-12399

12400-12400.5

12401-12410.10

12402-12402.2

12404-12413.5

12414.14-12414.19

12414.20-12414.31

12415-12417

12418-12418.4

12420-12428

12440-12442

12460-12464

12480-12490

12500-12502

12520-12532

12540-12543

12550-12569

12580-12584

12620

12629-12629.48

12630-12631

12640.01-12640.02

12640.03-12640.06

12640.07-12640.11

12640.12-12640.15

12640.16

12640.17

12640.18

12640.19

12640.20

12660-12661

12670-12692.5

12693

12693.01-12693.17

12693.20-12693.22

12693.25-12693.55

12693.60-12693.62

12693.63-12693.64

12693.65-12693.66

12693.68-12693.69

12693.70-12693.765

12693.77

12693.80-12693.84

12693.85-12693.89

12693.90

12693.91-12693.915

12693.92-12693.95

12693.96-12693.97

12693.98-12694

12695-12695.24

12696-12696.20

12696.5

12696.7-12697.15

12698-12698.35

12698.50-12698.56

12699-12699.05

12699.50-12699.63

12700

12705

12710-12714

12715-12718

12720-12723

12725-12733

12735-12738

12739-12739.4

12740-12745

12750-12757

12760-12764

12800-12865

12900-12907

12919-12938

12939-12939.1

12940

12950-12959

12961-12969

12970-12980

12990-12995

13500-13505

13600-13601

13800-13807

13810-13813

14000-14002

14010-14013

14020-14045

14050-14054

14060-14065

14070-14078

14080

14090-14094

14097-14099

15000-15002

15003-15005

15006-15032

15033-15037

15038-15043

15044-15052

15053

15054-15062

16000-16002

16010-16016

16020-16022

16030-16032