Insurance Services

Home. Property. Business. Family.

Quick Links

Car Insurance
Home Insurance
Health and Medicare Insurance
Life Insurance
Business Insurance
Specialty Insurance

Auto Insurance – More Than Just Cars

Front half of a shiny red sedan.

Auto Insurance

​Having the right auto insurance policy is essential for protecting yourself against unexpected accidents, liability claims, and damage to your vehicle. Whether you drive daily or occasionally, our policies provide coverage that keeps you safe.

New Driver Insurance

Insurance for new drivers can be costly, but it’s important that your teen has the right amount of insurance before they start the car. Protect your family with a policy that is tailored to your needs.

A smiling teen shows off new car keys.
A man driving a blue motorcycle through the mountains.

Motorcycle Insurance

​Motorcycles offer freedom and excitement, ​but they also come with unique risks. Whether you ride for leisure or rely on your bike for daily commutes, motorcycle insurance is essential.

Boat Insurance

Boating is a favorite pastime in California, but unexpected accidents can happen. ​A boat insurance policy ensures that you, your passengers, and your watercraft are protected from damages, theft, and liability claims.

Several friends celebrating on a boat in the open water
Two children in colorful sweaters stand in the doorway of an RV.

RV Insurance

Recreational vehicles (RVs) offer the perfect way to travel and explore, but they also require specialized insurance coverage that protects both your vehicle and the personal belongings inside.​

Let’s Make Things Happen

​We work with top-rated insurance carriers to find you the best coverage at the best rates.

“Cynthia Marshall, from Gerard Insurance Service, is a licensed insurance agent that we have been using for many years now. We have always received the most outstanding, wonderful, professional, knowledgeable & personalized service possible!”

Susan

San Andreas, CA

A happy family of four sits in the back of an open minivan

Home Insurance – Protect What’s Yours

Large modern home bathed in sunshine

Homeowners Insurance

Owning a home is a major milestone, and protecting it with the right home insurance policy is crucial. Your home is vulnerable to storms, fires, theft, and liability risks, but with the right coverage, you can have a peace of mind knowing you’re protected.

Renters Insurance

Renting a home or apartment? Your landlord insurance only covers the building, not your personal belongings. ​That’s why renters insurance is a smart investment. It’s an affordable way to protect your valuables and ensure financial security in the event of the unexpected.

Large block of attractive apartment homes with open decks for each unit
Cozy manufactured home surrounded by landscaping.

Mobile Home Insurance

The construction, materials, and mobility of your mobile home require more than simple home insurance. With mobile home, or manufactured home, insurance, you can rest easy that you’re protected.

Fire Insurance

In California, fire insurance is a greater concern than many other states. We’ll help you find the best rate for fire insurance, whether it’s through the Fair Plan, a mainstream provider, or an alternative.

Young fireman in his gear standing in front of a big red firetruck
Man wearing a suit holds a set of house keys.

Landlord Insurance

​If you own a rental property, standard homeowners insurance won’t cover ​tenant-related risks. ​Landlord insurance provides the protection you need against property damage, loss of rental income, and liability claims.

Let’s Make Things Happen

Our team works with top-rated insurance providers to help you find the best coverage at competitive rates.

“Incredible staff! We work with Rachelle for our homeowners insurance! I can’t thank her enough for her help, it really helps having someone in your corner! If you’re looking for any insurance and you want people who will advocate for you call Gerard! Thank you!”

Sarah

San Andreas, CA

A happy couple with two young children stand outside a charming older home.

Health Insurance and Medicare Coverage

Woman wearing a lab coat and stethoscope holds a red love heart in her hands.

Individual Health Plans

​If you’re self-employed or don’t have access to employer-sponsored coverage, we can help you find the best individual health insurance plan that fits your budget and medical needs.

Family Health Insurance

Finding the right health insurance is essential for protecting your family. We offer a variety of affordable and comprehensive health insurance solutions, ensuring that you and your loved ones receive quality healthcare coverage at the best possible rates.

Happy family in a vertical pose with youngest child at the top and a teen at the bottom.
Smiling man wearing a blue shirt and dental bib waits in a dental exam chair.

Dental Insurance

​Many are surprised to learn how important good dental care is for their overall health, but most health insurance plans don’t cover dental. We’ll help you find a plan that works for you.

Vision Insurance

Vision care is crucial to your health, but it’s often not covered by health plans. We’ll help you find a stand-alone or bundled vision plan that meets the needs of you and your family.

Woman wearing blue shirt holds up a pair of glasses, through which her face can be clearly seen.

Let’s Make Things Happen

We work with top-rated insurance carriers to provide affordable, high-quality coverage for you and your family.

“Gerard Insurance was recommended to us by a health insurance advisor for seniors. Aleshia at Gerard Insurance was so helpful and saved us a considerable amount of money. We had a time deadline and she went out of her way to make it work for us. I am very happy with her customer service, and recommend her highly.”

Carole

Sonora, CA

A serious looking child wearing a toy stethoscope pretends to be a doctor for his stuffed animal giraffe.

Life Insurance – Coverage for All Ages

An older couple sits on the beach and watches waves roll in.

Term Life Insurance

Term life insurance provides coverage for a set period, typically 10, 20, or 30 years. ​If the policyholder passes away during this term, the death benefit is paid to their beneficiaries. Once the term ends, the policy can often be renewed, converted, or allowed to expire.

Whole Life Insurance

Whole life insurance provides lifelong coverage and includes a cash value component that grows over time. Whole life insurance is perfect for long-term financial planning, estate protection, and leaving a legacy.

Active older woman in t-shirt and leggings holds a yoga pose.
An older couple sits with heads leaned together in affection.

Universal Life Insurance

​Universal life insurance offers the best of both worlds—lifelong protection with adjustable premiums and a cash value component that earns interest. This option is great for those seeking both insurance protection and financial investment opportunities.

Let’s Make Things Happen

Life is unpredictable, but you can ensure your family’s financial security with the right life insurance policy.

“Gerard Insurance Company has the best and kindest customer service of any insurance company I have ever dealt with. I have been with them for years and they go beyond their call of duty to assist you with anything you need assistance with. Rochelle is my agent and she does a 13+ job every time.”

Alicia

Jackson, CA

A happy senior man tends to a garden of red flowers.

Business Insurance – Protect Your Physical and Digital Property

Busy man and woman lean over a desk in an office building.

Business Insurance

General Liability Insurance is one of the most important policies a business can have. It protects your company from third-party claims, including bodily injuries, property damage, and legal expenses.

Business Auto Insurance

​If your business relies on cars, trucks, or vans, a Commercial Auto Insurance policy protects your vehicles, drivers, and business from financial loss.

A fleet of black and red cars waits for drivers.
Woman with laptop sits on the floor in front of a server rack.

Cyber Insurance

Cyber insurance protects your business from the financial devastation that can come with digital threats like data breaches, ransomware attacks, and network outages.

Let’s Make Things Happen

No matter the size of your company, protecting your assets is crucial to long-term success.

“Love Gerard Insurance. The staff is very friendly, they shop for the best rates for you, and it’s never a hassle and always a pleasant experience. They also go way above and beyond.”

Kevin

San Andreas, CA

A smiling businesswoman stands in front of a large office building and protects herself from the rain with an umbrella

Specialty Insurance – Coverage to Protect Your Business, Events, and More!

A volunteer wearing a blue shirt and red gloves holds a globe in their hands.

Nonprofit Insurance

Nonprofit organizations dedicate themselves to serving the community, but they face legal, financial, and operational risks that require specialized insurance coverage.

ATV and Golf Cart Insurance

Whether you’re off-roading or driving through your neighborhood, ATV and golf cart insurance provides, liability coverage, collision & comprehensive, medical payments, and property insurance.

Smiling young couple looks over their shoulders to the back of the golf card they're sitting in
A table is set with plates, napkins, and glass stemware for an event.

Event Insurance

If you are planning a wedding, fundraiser, or corporate event, event insurance safeguards against event cancellations, property damage, and liquor liability.

Cyber Insurance

As cyber threats grow, businesses face risks from data breaches, hacking, and cyberattacks. Cyber insurance covers data breach liability, ransomware protection, and legal fees & compliance costs.

Serious young woman leans over a laptop while computer screens glow in the background.
Gloved hand present a cannabis leaf from a mature plant.

Cannabis Insurance

The cannabis industry faces unique risks, including compliance issues, product liability, theft, and property damage. Cannabis insurance covers dispensaries and growers, product liability, and workers compensation.

Classic Car Insurance

Standard auto insurance doesn’t provide adequate coverage for classic cars. If you own a vintage or custom car, ​proper insurance ensures your investment is protected.

A classic red and white Chevrolet convertible
A golden retriever dog sits behind a gray and white tabby cat.

Pet Insurance

Veterinary costs can be unexpected and expensive. Having pet insurance provides financial security and ensures your pet gets the best care.

Bond Insurance

Bond insurance is critical for contractors, businesses, and professionals that require licensing and compliance. Without bond insurance, many businesses cannot obtain contracts or legally operate.

Contractor wearing plaid shirt and tool belt stands with arm crossed in front of two employees
Large white barn with a red roof sits in a green meadow.

Farm and Ranch Insurance

Farm and ranch insurance provides protection for agricultural businesses that traditional business insurance can’t cover so you can keep your business safe.

Flood Insurance

Flood insurance is essential for properties located in flood zones, because traditional home insurance doesn’t provide the coverage you need in the event of a devastating flood event.

Child wearing red rain boots splashes in a flooded area.

Let’s Make Things Happen

If you have specific coverage needs, our team at Gerard Insurance Services is here to provide customized insurance solutions.

“Gerard Insurance is a true gem in Calaveras County! Their team is knowledgeable, responsive, and genuinely cares about their clients. Whether you’re looking for personal coverage or something more complex, they take the time to explain everything clearly and help you find the best fit for your needs.”

Calaveras County Chamber of Commerce

San Andreas, CA

A happy family with two young children cuddle their yellow Labrador dog while lying on the grass.

Book An Appointment With Us Today

We are here for all of your insurance needs!