Bender Insurance Solutions

For Individuals

The Bender Personal Lines Team is dedicated to finding the right solutions for your personal insurance needs. From the affluent to first-time homeowners, we work diligently to find the right protection for all of your personal insurance needs.

Since 1938, Bender Insurance Solutions has provided tailored and sound offerings to our diverse clientele. As Independent Agents and Brokers, we are proud of our ability to provide choice, depth and dependability to our clients.

We help you ask, and answer, the important questions, such as:

  • Do you know the difference between replacement cost coverage and actual cash value coverage? Which is best for you?
  • How much liability coverage should you have? Could you afford to be sued?
  • Are you buying auto insurance that you don’t really need?
  • What if you need to live elsewhere while your home, condo, or apartment gets rebuilt after a disaster? Would you be covered?
Count on Bender Insurance Solutions to bring you the experience and marketplace strength you need to deliver the risk management and protection you require.
Call us today. One of our friendly professionals will be happy to take the time to answer all your questions!
Let us get you the coverage you need.
  • Personal auto
  • Homeowners
  • Condo insurance
  • Income properties
  • Vacation properties
  • Earthquake
  • Flood
  • Personal excess/umbrella
  • Recreational vehicles
  • Watercraft
  • Collectibles
  • Classic/collectible autos
  • Motorcycle
Auto Insurance

Your auto insurance policy is a collection of different coverage. Here’s how they break down:

Bodily Injury Liability (BI) – pays for the medical expenses of people injured in a crash in which you’re at fault. You’ll often see the coverage limit described as a “20/50” policy or a “100/300” policy. These numbers describe the maximum dollar amount the policy will pay for a single person’s injuries and the maximum for all the injuries sustained by all the occupants of the other car. For example, a 100/500 policy will pay a maximum of $100,000 for a single person’s injuries, and up to $500,000 total for the injuries of everyone in the car you hit.

Property Damage Liability – pays for damage done to the other car if you’re at fault in an accident. Property liability is often referred to alongside BI as a third number, so a 200/500/100 liability package will cover up to $100,000 for damages to the other car.

Uninsured/Underinsured Motorist Coverage – helps cover costs if you are hit by someone without insurance, or minimal coverage. This coverage should typically match your Bodily Injury liability limit.

Collision – covers repairs to your car after an accident.

Comprehensive – covers costs if your car is stolen or damaged outside of an accident. For example > a cracked windshield.

*California requires car owners to carry liability auto insurance. If you don’t carry insurance, the state could impound your vehicle.

Collision and comprehensive coverage

Collision and comprehensive coverage is worth having if you would want to repair or replace your car after an accident. These policies have a deductible (the amount you have to pay out-of-pocket before coverage kicks in), and they pay out based on the current value of your car, not what you paid for it.

Liability Coverage

Your liability coverage pays for bodily injury and property damage that you cause in accidents. Don’t get caught short by reducing your liability limits to the state minimums. Buying more coverage might seem like an odd way to save, but the benefit comes if you have a costly claim, which can put your personal assets at risk.

The Highway Loss Data Institute also posts data on collision, bodily injury and property-damage liability, and other types of losses by vehicle model at Or ask your insurer for premium quotes on the different models under consideration.

Home Owners
Outdated assumptions about insurance coverage can cost you a bundle. Get the right coverage to protect your home and budget.

While homeowners insurance is not as price-competitive as auto insurance, you can still save hundreds a year in premium. While shopping for insurance, consider buying your homeowners and auto coverage from the same company for as much as a 30 percent savings.

Renters Insurance
Renters are more at risk than homeowners.

Renters insurance can be a valuable commodity especially when you consider what you own. A computer, television, entertainment system may be the common belongings as well as clothing. And what if you are photographer with valuable equipment or a musician with a variety of instruments. You may even have antiques and jewelry that cannot be replaced but don’t even know it. The Bureau of Justice Statistics reports that renters are 50 percent more likely to experience theft than those who own their homes. A recent study point outs many people are willing to pay a couple hundred dollars a month on clothes, but aren’t willing to shell out anything to protect themselves from the risk of theft, fire, and other catastrophes. Too bad since renters insurance is one of the smartest investments renters can make.

Take Inventory
When purchasing a renters policy, conduct a complete inventory of all your personal belongings, taking photos or a video of things like furniture, jewelry and expensive electronics items. Calculate the replacement costs for these items. Be sure your policy provides replacement cost coverage instead of actual cash value coverage.
Condo Insurance
Whether you already have a condo, just bought one or are thinking about getting one, you likely have questions about insurance. Can you get condo insurance? Or is it simply the same as homeowner’s insurance? And do you even need it?
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