Desert crest insurance- independent insurance agency.
Why choose Desert Crest Insurance?
Whatever you need, your agent has your back. Your agent will ask you all about your car, its use, your goals, a brief intro into the terms, coverage options, discounts, and help find the perfect blend of coverage at the right cost for you.
Let's STOP Distracted Driving!
Choose Wisely...
Desert Crest Insurance is proud to be able to tailor solutions to fit you, your needs, and your life—helping you make the choices that are right for you.
Common Home Insurance Terms
- Actual Cash Value (ACV)- The estimated value of the item lost or damaged based on its condition immediately prior to the loss. This is typically calculated as replacement cost value minus depreciation.
- Loss of Use coverage- Your policy may pay for necessary increases in your normal day-to-day expenses that you incur if your property is determined to be uninhabitable due to a loss covered under your policy. This coverage may be available only for the period of time reasonably required to make your home habitable, or if a replacement home is purchased, the time reasonably required for you to move in.
- Policy limits- All policies have dollar limits either chosen by you or included in the policy. Some classes of property have special limits or “sublimits” for some or all claim types. For instance, your homeowner’s policy may not reimburse you for the full amount of your loss on items such as jewelry, silverware, coins or cash if they are stolen. These types of property CAN be insured for their full value using specific endorsements.
- Reconstruction costs- Your dwelling policy limits are based on the estimated cost of rebuilding your home, economic changes over time, such as labor or material costs, could make rebuilding more expensive than initially anticipated. You’ll want to revisit your policy annually to make sure that it provides sufficient protection.
Quality Coverage Matters
No matter where your journey takes you, we’ll be there to help protect you.
What Does Liability Car Insurance Cover?
There are two main types of car liability insurance:
Bodily injury liability and Property damage liability. Liability insurance also helps to cover the costs of lawsuits arising from an accident. What does it NOT cover? How much do you need? Call us or click to learn more.
Business Owners Policy
We know how much your business means to you and your family. We’ll help you protect it
What is Comprehensive Coverage?
Very inexpensive. Even if you don't want or need collision.
Small Business Insurance
Fact: Nearly 60% of Home-Based Business Owners Don't Have Insurance! #DesertCrestInsurance
New Car Replacement aka GAP Coverage
Optional coverage on your car insurance policy that may help replace your vehicle if it's totaled in a covered loss.
What Does Renters Insurance Cover?
A standard renters insurance policy typically includes three types of coverage: personal property coverage, liability coverage and additional living expenses coverage. They are inexpensive, practical and add a discount to your auto insurance! Call us today for a quote.