Homeowners / Life Insurance & Health Insurance

Taking care of the 'what if' moments in YOUR life


Homeowners:

are you sure you’re covered?

Homeowners InsuranceInsurance is one of those very rare things you purchase hoping you’ll never need to use. Unfortunately, many people discover too late that the insurance they had simply didn’t do everything they thought it would. Most homeowners, as well as renters, have exclusions within their policies for certain types of loss. Most contain specific dollar limits for personal items, such as jewelry, electronics, computer / computer software equipment. Don’t wait for a loss to find out you’re not covered! Let our professional agents review your current homeowner’s policy for specific exclusions and limits that could negatively affect you and your family.

As an independent insurance agency, we’ll shop for the best possible rate among many top rated insurance providers. Get more for less with Maria Ayala and Associates! We provide coverage for:

  • Homes
  • Rental property
  • Townhomes
  • Apartments
  • Condos
  • Mobile Homes
  • Vacant Homes
  • Homes under construction
  • Fire Policies
  • Umbrella
  • Flood
  • Earthquake
  • Jewelry, artwork, etc

Multi Policy Discounts are available... contact us for details!


Life Insurance

What if...

Every day is a gift, and no one knows with certainty how many we have. You and your family’s most valuable asset is your ability to earn a living wage. What happens if you’re not here? Who makes the house payment? What about food and clothing? Will your family be able to financially survive?

Life insurance could be the best gift you'll ever give

Life insurance can do two very important things: it can offer much need financial security to your family should you pass too soon…and it can provide a cash dividend should you live a long life! By talking to our professionals, you can establish a life insurance policy that would allow you to continue to provide for your family even if the unthinkable would occur. It also relieves them of worrying about final burial expenses at a very difficult time. (The average cost of a funeral in California is $7,300). With the right coverage, you can make sure your family doesn't have to worry. Don’t make them wonder: make sure your family is adequately protected with life insurance from, Maria Ayala and Associates. Contact us today and ask for more information about our Life Insurance options, including:

  • Permanent Life
  • Universal Life
  • Whole Life
  • Term Life
  • Return of Premium Term Life (with this product, all your premiums are returned to you at the end of the policy term)
  • Fixed Annuities
  • Quality of Life: (this is a cash-out policy for illness aka Quality of life policy with terminal illness benefit to cash out.)

... and several other options to meet you and your family’s needs


Health Insurance

Your protection against catastrophic medical costsHealth Insurance

Finding affordable health care seems nearly impossible today. Rising costs continue to keep hard-working people from seeing a physician when they’re ill, but when a serious illness occurs, there’s simply no choice. One hospital stay can spell financial ruin for a family. Health Insurance offers an alternative. Ask the professionals at Maria Ayala & Associates about our health insurance coverage options, which include:

  • Major Medical
  • Disability Income Protection
  • Health Savings Accounts

... and more

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