When it comes to protecting your valued possessions, no one is better qualified to serve you than one of Orange County's oldest and largest privately held insurance brokerage firms. Despite our size and strength, we work closely with you to develop a customized package that fits your specific needs. We'll do whatever it takes to find the best way to protect your valuables.

We handle all types of personal insurance:

• Homeowner
• Automobile
• Earthquake Coverage
• Excess Liability Coverage
• Coverage for high value property, antiques and collections

Whether it is hand-carved woodwork, custom moldings, solid oak multi-panel doors, antique lighting fixtures or stained glass windows, whatever makes your home unique, PrideMark-Everest can help you insure it. When you have spent a lot of time and effort finding just the right place to live, you need to make sure your investment is protected by choosing insurance coverage that is right for you.

Issues a PrideMark-Everest advisor will help you consider:

• Reconstruction value of your home
  Extended Replacement Cost coverage can ensure that your home will be rebuilt to the same standards as the original construction. This includes quality of materials and craftsmanship. Your house should not only look the same after a covered loss, but, as closely as possible, be the same.
• Personal property coverage
  Replacement Cost Coverage ensures that your personal property will be replaced after a covered loss ,without deductions for depreciation. You should also have "all risks" coverage for your personal property, so that your belongings are covered for a wider array of perils than most standard policies allow. You should list expensive items, such as jewelry or fine art, separately.
• Personal liability insurance
  Personal liability is a part of your homeowners policy, and it is important to choose the appropriate coverage limit. In today's litigious environment, you want to be sure that your assets are protected in the event of a lawsuit.
• Coverage for fences, pools, barns, and other structures
  Most homeowner policies include only a minimum coverage amount for damage to fences, pools, detached garages and other structures that are not attached to the main house. Are you sure you have enough coverage to fully replace these items?
• Flood and earthquake insurance
  Most homeowners policies do not cover flood or earthquake damage. You should consider whether you need protection against those losses.
• Older Home Coverage
  Certain coverage features do not come standard with all insurance policies. That's why it's important to work with a specialist who understands the intricacies of insuring older homes. At PrideMark-Everest International, we offer insurance options designed exclusively for old homes including:
  • Guaranteed replacement cost coverage: Coverage of the full cost of restoring your home to its original quality, even if that value exceeds the coverage amount on your homeowner policy.
  • Ordinance or law coverage: Coverage for the cost of bringing your home up to code in the event of a partial or total loss.
  • Assistance in determining replacement value: A simple "room estimator" does not begin to account for the unique features in older homes. Your PrideMark-Everest specialist can help you determine your home's true replacement needs.

Millions of auto accidents occur each year and one of the unfortunate results can be inadequate insurance coverage. Your assets, your family and your financial future are all at risk when the policy you buy doesn't provide the protection you need.

PrideMark-Everest Personal Insurance offers a full range of solutions for all of your automobiles, including antique, collector and recreational vehicles, as well as motorcycles and motor homes. P-E specialists understand the risks you face on the road each day.

We work with you to ensure that you have appropriate protection in these important areas:

• Liability Limits
• Uninsured and Underinsured Motorist Coverage
• Agreed Value Coverage
• Replacement Vehicle Coverage
• Rental Car Coverage
• Worldwide liability Coverage
• Electronic Equipment
• Full Glass Coverage
• Towing & Labor

In the wake of catastrophes, a dramatic rise in claims and limitations of coverage by many insurers, cause individuals to be faced with a difficult challenge. In times such as these, one disappointedly comes to the realization how important it is to select the right homeowner insurance. Without it, you may not be able to restore your home to its original beauty or receive adequate reimbursement in the event of a claim.

As there is no way to forecast natural disasters such as hurricanes and earthquakes - it is most important to be prepared. And making sure you are properly covered is a way to do so. A P-E expert will review your current insurance policy and living environment to help you determine the best options to help you plan for the unforeseen.

Sample coverages may include:

• Residence Coverage
• Contents Coverage
• Condominium Coverage
• Replacement Cost
• Additional Living Expense
• Flood Coverage
• Wind and Special Deductibles for Losses Caused by Wind