Your Local Farmers Agent in Los Angeles
As your local Culver City insurance agent, I’ll keep you informed and aware of Farmers insurance™
America's finest agents, quote and buy online, great discounts and best in class claims service.
Get a quote online and work with a Farmers agent to find the right coverage for your property and unique needs.
Tough questions. Simple answers. Farmers makes it simple to understand Life Insurance.
Farmers offers flexible Business Insurance that reflect the unique characteristics of your business.
It's about the open road, leather and chrome, bugs in your teeth. When you're out riding, the last thing you want to worry about is whether you have the right insurance policy.
Farmers© is an industry leader in Specialty insurance products. We've spent the last 60 years getting to know the outdoor enthusiast.
If you're looking to safeguard a sound future, there's no better place to start than Farmers© comprehensive and customizable options.
Get the personal coverage you want with a health insurance plan designed for individuals.
Guarantee your family that the next trip is a truly care-free vacation.
Get a quote online and work with a Farmers agent to find the right coverage for your property and unique needs.
Life is unpredictable. You never know what might happen. If the unexpected happens, Farmers© can help ensure you have the coverage you want to protect your family's assets.
To better serve our local communities, Farmers works hard to partner with nearby organizations to meet the needs of our neighbors. You will find that many Farmers agents are actively involved with city councils and chambers of commerces. Read More
Giving back to the community is part of the Farmers brand, the foundation on which our trust and respect securely rests. Farmers supports numerous national, regional, and local programs in the communities that we're a part of. By helping these organizations; we help our community. That's why we volunteer our time, talents, and resources and that's how Farmers continues the legacy that its founders envisioned.... Read More
Company Community Events
Come out and meet Farmers outside the office at one of our sponsored events!... Read More
Frequently Asked Questions
What if I let someone else drive my vehicle and they get into an accident?
Generally speaking, insurance goes with the vehicle. For example, if you have an accident while driving someone else's vehicle, the owner's insurance would first, be applied toward damages to the vehicle. Your Auto insurance would also generally apply in the event that the owner of the vehicle had no Auto insurance or did not have enough auto insurance to pay for the damages. Personal Injury Protection, which varies from state-to-state, covers the individual under their individual policy. For example, if my friend is driving my vehicle and gets hurt in an accident, my Auto insurance will cover the damages caused to my vehicle, but their Auto insurance will cover injuries caused to their person.
What do I do if I am in a car accident?
First and most importantly, make sure that you and that everyone else is okay and get help for the injured. The next crucial step is to make sure to notify the police so that they can file a report. The police report is the most accurate and court relevant information available. Keep a notebook in your vehicle for taking down important information. Make sure to get names, addresses, phone numbers, driver's license number, license plate number, car make and model numbers, witness phone numbers, etc. The more information that you can gather, the better. Also, if you or passengers are injured, make sure to save all medical bills and receipts.
What do I do if my car breaks down?
If your car breaks down, your first priority is the safety of the people inside the car.
Cold weather suggestion: Always carry a warm blanket in your trunk in case you must wait for help in freezing temperatures. Also carry a shovel and sand in the event your car is stuck in the snow. Do not try to dig yourself out unless your car is in a safe place. At the moment of crisis call Farmers Claim Department at 1-800-435-7764 for assistance when you need it most.
- Never get out of a broken down car to make a repair or examine damage. Move the vehicle to a safe place such as a wide shoulder or a designated emergency lane.
- If you can't drive the vehicle, stay in the car and wait for help. Use your cell phone to get help or wait for help.
- Remember to put on your hazard lights. Once you are in a safe place, mark your location with flares or triangles.
- In the case of a blowout or a flat tire, move the vehicle to a safe place before you attempt a repair - even if it means destroying the wheel getting there.
Will my policy be canceled if I get into an accident?
Being in an accident will not generally cause your policy to be canceled. Depending on the circumstances, it may result in a non-renewal of your policy. After the facts of the situation are reviewed, you may be required to pay a higher premium for your policy upon renewal.
Am I insured if I am driving someone else's vehicle?
Generally speaking, the insurance goes with the vehicle. For example, if you have an accident while driving someone else's car, the owner's insurance would apply first toward damages. Your Auto insurance would generally apply in the event the owner of the vehicle had no Auto insurance or did not have enough Auto insurance to pay the damages. For specific information and guidance about your coverage, please contact me at any time.
Do I have insurance if I am renting a vehicle?
Car rental companies charge daily fees for Collision Damage Waiver (CDW) coverage (which means their insurance will pay for all damages covered in your rental agreement). Rental car coverage under a private passenger policy varies state-by-state. In some states, your current Auto insurance coverage may already provide adequate coverage protection for you, even if you are renting a vehicle. So, you may want to contact your agent prior to renting a vehicle just to check into which coverage you currently have. Please feel free to contact me to review your current coverage or to talk about adding coverage to your current policy.
Will my premiums go up a lot if I get into an accident or get a speeding ticket?
The word "a lot" is subjective but unfortunately your premiums more than likely will go up. Because insurance is based on risk factors, and traffic violations like speeding attribute to being "higher" risk, your premiums will more than likely increase. Additionally, your premium may go up depending on the severity of the accident. Please contact me at any time if you have questions or further concerns about your premiums. I am always glad to help.
Homeowners & renters
What if my home is burglarized?
Here are a few tips to help if you should encounter such a situation:
If you saw the burglar, you will be asked to provide a description which will include:
- If you suspect a burglar is still in the house, don't go in! Go to a neighbor's
house to call the police.
- Wait until the police arrive before you enter and begin to take an inventory of
what is missing. Don't touch anything. The police may dust for fingerprints.
- Provide police with whatever information they require. Ask the investigating officer
where you can obtain a copy of the police report. Make sure you write down the names
and badge numbers of the police officers.
Once the police have finished the investigation, make your own inspection. Use a
Home Inventory Checklist to check for missing items, otherwise you may not discover
the full extent of the theft until days or even months after the burglary. At the
moment of crisis call Farmers Claim Department at 1-800-435-7764 for assistance
when you need it most.
- Hair/eye color
- Hair/beard style
- Distinctive markings
If I add safety features to my home can I get discount on my insurance?
Farmers provides premium discounts for taking precautionary measures. Protective devices such as alarm systems, deadbolt locks, local burglar alarms and central station burglar alarms all qualify for discounts but these discounts do vary by state. Contact me today to go over which discounts you may qualify for.
What happens if I have a fire in my home or my home is completely destroyed in a fire?
The first step in being prepared for a fire, is to have a family evacuation plan. Plan a safe rendezvous point for you and your family in the event that you are separated during a fire. Check out our tips for evacuating your home.
Farmers also provides the following tips for surviving a fire in your home:
- Do not return to your home until officials declare it is safe to do so.
- Notify your Farmers agent. Make sure your representative knows where to contact you.
- Make a detailed list of all damaged or destroyed personal property. Use pictures to help assess the damages.
- Keep all receipts. Don't rush into signing repair contracts.
- As soon as you and your family are safe, call Farmers Claim Department at 1-800-435-7764 for assistance when you need it most.
- Make sure all family members know how to dial 911 in case of an emergency.
- Have at least two exits from every room in your home. Invest in fire escape ladders for upstairs bedrooms.
- Go through a practice drill every six months. With the whole family, practice what to do in a fire emergency.
- Assign a tree or other landmark where family members can meet after they escape the burning house.
- Teach children never to go back in the house. Train them not to hide from fire under beds, in closets or other places where rescuers cannot easily find them.
What if someone has an accident on my property or my pet bites someone?
The Insurance Institute estimates that up to one-third of homeowner liability claims are for dog attacks. What to do:
If you own a dog:
- Make sure the injured person gets prompt medical attention.
- Exchange names, addresses, and phone numbers.
- Tell the person who was bitten to save medical receipts. Assure them that your Farmers agent will contact them.
- Call your Farmers agent. Provide the information about the incident, the name and phone number of the victim and have your policy number on hand.
- Report the dog bite to your local animal control center.
- At the moment of crisis call Farmers Claim Department at 1-800-435-7764 for assistance when you need it most.
If you are threatened by a dog:
- Spay or neuter your dog to reduce aggressive tendencies.
- Never leave infants or young children alone with the dog.
- Do not play aggressive games, like wrestling, with your dog.
- Teach children basic safety guidelines around the dog and review them frequently.
- Remain motionless. Do not run or scream.
- If knocked down by the dog, lie still, cover your face and neck and remain in a ball.
- If bitten by the dog, immediately report the bite.
- Report stray dogs or dogs showing unusual behavior to your local animal control center.
What if my home is damaged in a storm?
What to do before the storm:
What to do after the storm:
- Make sure you have a record of your personal property.
- Keep important papers safe. Keep photo copies of your important personal and financial papers in a safe place away from your home.
- Preserve your photos. Store negatives in a safe place away from the house or make copies and do the same.
- Look around and assess the risks to your home. For instance, trimming tall trees near your house will prevent them from falling during a storm and causing damage.
- If tornados are a threat, consider building a safe room within your house.
Take pictures and use a Home Inventory List to help your assess the damage. At the moment of crisis call Farmers Claim Department at 1-800-435-7764 for assistance when you need it most.
- Check people around you for injuries. Begin first aid or seek help if necessary.
- When you go outside, watch out for downed power lines.
- Beware of fire hazards such as broken gas lines.
- Make temporary repairs to prevent loss from rain, wind, or looting. Keep all receipts for work done on your property.
- Avoid using electrical appliances that have been exposed to water until they've been checked by a technician.
- Notify your Farmers agent as soon as possible. Make sure your agent knows where to contact you.
What do I do if a flood has destroyed my home?
Every year, people's lives across the United States are disrupted by floods. It
can be a very difficult period of time but flood insurance puts you in control.
You can buy Flood Insurance no matter where you live; in High, Low or Moderate risk
areas. Buying a Flood Insurance policy is one of the most important things you can
do to protect yourself and reduce the cost of flooding disaster for your family
or business. Contact your Farmers agent today for more information on Flood Insurance.
You can take specific steps today to prepare for a flood tomorrow:
- Itemize all personal property including furnishing, clothing and valuables. Keep
your photographs, videotapes and important papers in a safe place, such as a safe
- Keep a portable radio, flashlights with extra batteries in working order.
- Keep your car's gas tank at least half full. Gasoline pumps will not work if electricity
is cut off because of a flood.
- Buy flood insurance because it can mean the difference between financial devastation
and a fresh start after a flood. Contact you Farmers Agent for more details.
At the moment of crisis call Farmers Claim Department at 1-800-435-7764 for assistance when you need it most.
- Prior to entering a building, check for structural damage. Make sure it is not in
danger of collapse.
- Upon entering the building, do not use an open flame as a source of light, since
gas may still be trapped inside. Always use a flashlight.
- Cover broken windows and holes in the roof or walls to prevent further weather damage.
- Contact your Farmers Agent immediately to begin claim processing.
What if my home is wrecked in an earthquake?
- Check to be sure that no one in the family is injured. Start first aid immediately
- Be prepared for aftershocks following an earthquake.
- Put on shoes with heavy soles to protect your feet. Check utility lines and appliances
for damage. If you smell gas, open the windows and turn off the main gas valve.
- Clean up flammable liquids inside the buildings.
- Check to see that sewage lines are intact and working before flushing toilets.
- Take pictures of damaged property and keep notes. You can keep a disposable camera
with your earthquake kit.
- Notify your Farmers agent. Make sure your representative knows where to contact
- At the moment of crisis call Farmers Claim Department at (800) 435-7764
for assistance when you need it most.
What if I become a victim of identity theft?
Here are steps you can take now to stop thieves from stealing your good name:
The three major credit bureaus are:
- Do not give out personal information, such as account or credit card numbers, on
the phone or over the Internet unless you have initiated the contact. Identity thieves
could pose as bank officials, Internet providers or credit card company representatives.
Remember: Those with a right to this information (such as your bank) should already
have it and shouldn't need to request it over the phone.
- Report lost or stolen checks immediately and properly store canceled checks. Examine
new checks to be sure that none were stolen during shipment, and store them in a
safe and secure location. Destroy unused financial solicitations before discarding
them, and tear up other financial documents such as statements or receipts before
- Guard your automated teller machine (ATM) number, and treat your receipts with care.
Leaving them behind or throwing them in the trash could leave them vulnerable to
thieves, who could use them to access your accounts.
- Make sure your mailbox is secure, and promptly remove mail after delivery. Identity
thieves often raid mailboxes to obtain credit card offers and financial statements.
- Contact the major credit-reporting companies at least annually to review their file.
A copy of their credit report is available for a small fee.
Steps to Report Identity Theft:
- Equifax: (800) 685-1111
- TransUnion: (800) 916-8800
- Experian: (888) 397-3742
- Contact your bank or credit union to protect your accounts.
- Contact your credit card suppliers.
- Contact the Social Security Fraud Hotline: (800) 269-0271.
- Contact the Federal Trade Commission (FTC) Identity Theft Hotline: (877) IDTHEFT
or (877) 438-4338.
- Contact your Farmers agent to file a claim against your Identity Fraud Expense coverage
What if a pipe bursts and water flows all over the place?
Typically, Homeowners insurance covers you for accidental discharge of water from
a plumbing system. It's a good safety precaution to check your plumbing and heating
systems once a year.
What happens to all of my assets if I die?
Life insurance1 death benefits are distributed to the named beneficiaries of the policy. However, for distribution of your assets, it's important to create a living will in order to tell the probate court judge who should receive your belongings. This also helps to speed-up the process; without a living will, probate could take an extended amount of time, and be significantly more expensive.
What if I become disabled and unable to work?
Disability can occur for a number of different reasons and affect a number of different
circumstances. If you are injured on the job you may be eligible for worker's compensation,
but you should check to see which coverage options your employer provides. The Insurance
Information Institute estimates that 53 % of those who are at least 40 years of
age, will experience a long-lasting disability (90 days or more).
Disclaimer: Farmers Insurance Group does not endorse Web sites, claims, or services
made by outside parties as they are separate entities and operate separately from
- Social Security can be drawn on in the case of a disability but is usually reserved
for disabilities that will last for longer than 1 year. Additionally, however, disability
insurance can be purchased. Disability Insurance protects against financial losses
that occur due to an injury or illness. If you have more questions about Disability
insurance please contact me at any time. I can help you decide whether it is currently
a part of your policy and if it is an option that you should consider.
What if I lose my job?
Here are some tips to help you prepare: It's a good idea for everyone to
have the equivalent of at least three months salary put away, should the unexpected
happen. If you have a mortgage to pay each month, you should consider getting Mortgage
Protection Life Insurance1 to ensure your payments are made. Turn a negative experience
into a positive one: Make it a learning experience! Take advantage of this
opportunity to develop new job skills. Our education loans can help make it financially
feasible for you go back to school and acquire new skills to stay competitive. Explore
employment opportunities with Farmers Insurance! More than 30,000 talented professionals
nationwide enjoy our dynamic, stable and forward thinking environment. Use this
experience and your ability to cope with change as a strength, when interviewing
with prospective employers. You'll have a lot to offer them. Many employers are
looking for people who can deal with change - not dwell on the negative but have
the ability to move with the times.
Do I need to cover my building if I rent?
Essentially renting a building for business is not all that different than if you were to rent an apartment. You still need coverage for all of your personal belongings and assets; essentially you need coverage for all of your office supplies and business assets. So, everything apart from the bricks and mortar of the building you are in should be part of your Business insurance policy. Please contact me at any time for questions about your current coverage or to obtain Business insurance coverage.
Which policy is best for my business?
There are many different variables for determining the best insurance products for a business. The insurance needs of a software company, for example, are far different than the needs of a car rental company. It's best to speak with an agent to review your overall business situation and to go over coverage options that are best for your business. Contact me to learn more.
Are modifications that I make to my vehicles covered?
Generally speaking, modifications made to your recreational vehicles are not covered. It's always best to contact your agent to learn which options are available and to what extent your rec. vehicles are covered. Contact me today to learn how I can provide coverage for your recreational vehicles or to help you review your current coverage.
What types of coverage do I need?
Although there are a variety of options for covering your recreational vehicles, it is always best to contact your agent regarding which coverage options are the best for you. It is important, however, to consider liability coverage as costs involving liability can be quite extensive. Contact me today to learn more, to review your current policy, or to insure a recent purchase.
What if my RV breaks down, do I have towing coverage?
You will more than likely have to check your policy to make sure that it includes towing coverage. Farmers has a program designed especially for towing your RV in the case that it breaks down. Please contact me today to learn more.
What type of coverage do I need for a travel trailer?
You should check with your agent to decide which protection best fits the insurance needs for your travel trailer, but you should know that liability follows the insurance/Auto policy of the vehicle that is pulling the trailer. Please contact me today to learn more about specific insurance requirements, coverage options, and questions.
Which investments will give me the most money for retirement*?
That's a tough question because investment is subjective to risk. The best answer to this question lies in meeting with your agent. Remember that there is not way to guarantee a return on investment and that there is always an inherent risk involved. Your agent can provide you with information regarding investment products, can evaluate your current financial situation, and can discuss your future investment needs and goals-in other words they take an in depth look at your financial picture and help you find the products that are the best fit for your investment goals.