We have operated with a single mission: to help teachers, school employees, and their families live safer, more secure lives by providing insurance policies tailored with special benefits and features at no additional cost. We deliver this through “A” rated companies whose financial strength you can always depend on. The companies we represent have been providing quality and affordable auto insurance for over 65 years.
Insurance is not a one size fits all product. While other companies give you the shrink wrapped solution, School Employees Insurance the Rich Israel Agency representing Horace Mann Insurance works with you to uncover your needs and provide you with the coverage, protection, and products that match your needs to a tee. Our insurance products are all tailored fit to you the individual client. Not only does this provide you with all of the right protection, but it also saves you money
All insurance is not created equal
Whether you are thinking about auto insurance, home insurance, life insurance, health insurance, or any other type of insurance it is important to know that your agency is working for your best interest. It is equally as important to be sure that your insurance company is there when you need them.
School Employees Insurance has represented Horace Mann for over 17 years and we are just as confident as the day we started. We represent the best of the best when it comes to taking care of you. From their depth of products, to the coverage included we know that we can provide you with the right insurance protection at the right price.
Did you know that auto insurance companies see teachers as being above average drivers? It’s true. Statistics show that teachers have fewer auto accidents and file fewer claims than other drivers. And because teachers are more responsible, they cost less to insure.
If you're an active or retired educational professional, you're invited to take advantage of School Employees Insurance. We reward excellent driving habits with exceptional coverages and savings on insurance for teachers and other educational professionals.
Today, School Employees Insurance insures thousands of drivers across the United States. Teachers have switched to us not only for our lower rates, but for our superior customer service as well.
Do teachers have fewer accidents and file fewer claims because they spend so much time working in school, after school, and at home? Or is it because the care and maturity they display as educational professionals is also evident when they're behind the wheel?
Whatever the reason, we believe that teachers should be rewarded for their driving excellence. If you agree, then switch to the insurance plan that puts teachers in a class of their own.
At School Employees Insurance the Rich Israel Agency we love that our team can go above and beyond the standard insurance offering and secure you effective vehicle coverage you can truly rely on. It’s important to remember that School Employees Insurance can offer you the teacher, school employee, or relative, special coverage’s and discounts because of your dedication to the field of education.
Additionally, School Employees Insurance can also provide customized car insurance quotes that will meet your specific needs. Receiving these quotes will take less than five minutes of your time. We think you will find this well worth it for the potential to save hundreds of dollars on your car insurance.
At School Employees Insurance we strive to supply you with as many options as possible; thus enabling our comprehensive insurance strategies to provide you with the opportunity to custom build a policy that meets all of your auto insurance needs.
We offer the following options for your Arizona, Nevada, and California insurance policies:
Today you can work with one of the top Auto Insurance companies in Arizona, Nevada, and California that can provide advantages like:
We recognize that all of these varying coverage and product options can become a bit overwhelming—you want to make sure that you’re fully covered for a range of vehicle risks—yet at the same time you’re trying to keep premium expenses at the forefront of your mind. That’s why our insurance specialists are dedicated to helping you find the best Arizona, Nevada, or California auto insurance—as well as making you, and your unique needs, our top priority!
Contact School Employees Insurance the Rich Israel Agency to learn more about our various coverage options receive a complete coverage review—as well as your free no obligation quote today!
It's your biggest investment. It's your passion and your pride. You've worked hard to put a nice roof over your head, and when it comes to protecting this valuable asset, the peace of mind insurance provides is an absolute must. At School Employees Insurance we are committed to helping you navigate through this important policy decision. The next step is protecting you and your property with comprehensive home insurance.
The Physical Structure & Possessions of your Home
A homeowner’s policy covers loss and most kinds of damage to your house or townhome. It also covers separate buildings, such as detached garages and sheds. Furniture, clothing, electronics and other personal possessions are covered in your home and all over the world and without any deductions for depreciation.
Liability
If a non-family member gets hurt at your home or townhouse, you can be liable for their medical costs as well as other expenses. You are also responsible if your pet causes an injury to someone outside your family. A homeowner’s policy will cover both injury and property damage to non-family members who are harmed by you, your qualified family members or your pets. It will also cover the costs associated with resolving claims or defending lawsuits against you. Even if you’re not liable for a non-family member’s injury that occurs on your property, homeowner’s insurance will still pay for the injured person’s medical costs.
Living Expenses
If your house or townhome is unfit to live in due to a covered loss, up to 24 months of additional living expenses will be covered. This coverage includes loss of rental income if a part of the home is rented to others and becomes unfit to live in.
Identity Theft 911®
Identity Theft 911 is School Employees Insurance state-of-the-art identity theft resolution assistance. Identity Theft 911 provides help in preventing identity theft and replacement of certain important documents.
School Employees Insurance the Rich Israel Agency continues to differentiate ourselves in the educator marketplace and provide value-added benefits to our educator clients.
Educators receive these great features:
Affordable Quotes and Discounts for Arizona, Nevada, and California Home Insurance
School Employees Insurance offers reasonable quotes on home insurance. If you’re in the market for home insurance, talk to your School Employees Insurance agent about affordable coverage options and available discounts. We know what may work for one homeowner, won’t necessarily work for you. Which is exactly why we aim to create tailored homeowners insurance plans that reflect the distinct needs of you, your family and your unique home?
Give us a call today, to learn more about our fully customizable coverage options! One of our insurance specialists would be happy to provide you with a complete policy review as well as offer you a free Arizona, Nevada, or California quote right now!
Do not make the mistake of assuming your landlord’s home insurance will cover you and your assets. A landlord’s policy covers only the physical structure of the rental property—not your belongings. If your landlord has Arizona, Nevada, or California home insurance, they will be protected from costs to them should something happen to the building, but they are not responsible for insuring your belongings.
Renter’s insurance is commonly required for those renting a property from a landlord. At School Employees Insurance the Rich Israel Agency, we can protect your personal assets and belongings by securing a policy that is designed especially for tenants.
Personal property coverage allows a renter to be compensated for personal property that is lost or damaged due to theft or natural disaster. Renters that choose to forgo this coverage may be unable to collect any money to replace belongings if a theft or natural disaster occurs. This is especially true if there is a clause in the lease that stipulates that obtaining renter’s insurance is required by the landlord.
Renters may be surprised to learn that they are liable for any injuries suffered while a visitor is inside the property that they are renting. Renter’s insurance can eliminate the possibility of a renter having to pay the medical bills of someone that got hurt while visiting the renter.
It may be necessary for a renter to temporarily find another place to live if there is a fire, flood or other damage to a rented property that makes it uninhabitable. Holding a renter’s insurance policy means that the renter will be reimbursed for the cost of renting another residence until any damage to the apartment has been fixed.
There certainly is a lot to think about when it comes to determining the exact coverage you need and want from your renters insurance. Arizona, Nevada, and California clients will benefit from working with our expert insurance specialists, who are here to help you distinguish the risk exposures you face and ensure that you are perfectly prepared.
Quotes for insurance from School Employees Insurance can help a renter find out how much apartment insurance will cost. Renters that are putting off obtaining coverage because of the cost should be aware that renter’s insurance is typically very affordable. Contact School Employees insurance today to find out just how affordable Arizona, Nevada, and California renter’s insurance really is.
Need an insurance quote for your condo? You’ve come to the right place.
If you own a condo, you have different insurance needs than the typical homeowner. Not only do you own your individual condo, you also share ownership in the common areas and overall structure of your building. If shared areas need upkeep and maintenance, your association will typically handle the expense through their insurance package. Although your association dues help pay for upkeep of the common areas, they do not typically cover your personal property within your own unit, or your liability if someone is injured on your property.
Condominium insurance provides protection where condo associations do not. Condo coverage protects your possessions within your unit, including furniture, appliances, kitchen and bath facilities and your personal items. Whether they are in your condo or elsewhere, your personal items and valuables will always be covered by School Employees Insurance the Rich Israel Agency. If you plan on upgrading your unit, any improvements you make will also be covered under your policy, including wall units, renovations, and wallpaper. Condo insurance will also pay for you to stay in a hotel if an incident occurs that is covered by your insurance and causes your condo to become uninhabitable.
Contact School Employees Insurance today to receive condominium insurance quotes and to learn more about what services and policies we can offer you. We’ll also be happy to tell you about which discounts you qualify for. Our agents will listen closely and work with you in order to get you the affordable, personalized condo insurance coverage plan that you deserve.
As a rental property owner, you realize the importance of adequately protecting your investment. Landlord or Dwelling Fire Insurance coverage protects the property itself, its foundation and interior, as well as unattached associated property, like a storage shed or garage. Our rental property coverage also includes protection against liability claims.
A simple homeowners insurance policy is not adequate when the property in question is being rented out. Opting for a landlord protector policy offers the most coverage in this unique situation. Any damage that is done to the property itself through natural disaster or accident can be covered under one of these policies.
As a landlord your liability on the property is higher than on your primary residence as you cannot control the actions of your tenants. If your tenants dog bites a neighbor you may be liable and it is important to have adequate liability coverage to protect you, your family and your valuable assets.
It is essential for landlords to obtain quotes for Arizona, Nevada, and California landlord insurance from School Employees Insurance the Rich Israel Agency as soon as possible. This coverage is often very affordable and allows the investment property to be protected in case of unforeseen damage. Purchasing a landlord protector policy guarantees that a landlord can keep the significant investment that is associated with purchasing a rental property as safe as possible.
Landlords should be aware that a rental property insurance policy generally does not cover any of the tenants’ property. It is important to relay this information to renters and make them aware that they should hold their own renter’s insurance policy to be sure to avoid any loss of personal property. Including a clause in the lease that makes renter’s insurance a requirement is the most common way to assure that renters are both informed and protected.
Another valuable coverage offered is loss of rents coverage. If there has been a covered loss to the property and your tenant is unable to occupy the residence, for example a fire, we will pay you for the loss revenue for rent you are unable to collect while the property is being repaired. So Landlord policy not only protects your investment, but also your cash flow.
Fortunately, at School Employees Insurance, we make selecting a rental property insurance policy easy. We go through everything with you, and then decide together which policy will work best for you. Contact us today to protect your Arizona, Nevada, or California rental.
Although it may not seem as necessary as homeowners insurance, flood insurance is important if you want to keep your home safe and your possessions secure. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.
Flood insurance provides protection for destruction and financial devastation caused by floods. Although it may not seem like much even a few inches of water can cause serious damage; resulting in thousands of dollars in repair and restoration costs. Homeowners insurance does not cover floods. Purchasing a flood insurance policy through School Employees Insurance the Rich Israel agency can protect you.
The Federal Government promises disaster assistance through their disaster management programs, but those only pay homeowners if the President declares the flooding to be a disaster. An Arizona, Nevada, or California flood insurance policy will pay for flood damage no matter how big or small the flood is.
Don't wait until it's too late. Contacting School Employees Insurance today and will get you on the path to flood protection with an affordable and comprehensive insurance policy.
What is Umbrella Insurance?
Umbrella Insurance provides exactly the type of coverage that it sounds like it would; it provides an umbrella for you to stand under. Liability issues are everywhere and you never know what could cause someone to present you with a lawsuit. Basically, Umbrella coverage allows extra protection beyond the maximum liability limits of home, auto and watercraft policies. This policy literally puts you under its umbrella so that when you exceed the liability coverage limits on an insurance line, you will still be protected.
Why should you purchase Umbrella Insurance?
You may not think you need an umbrella policy, but consider this: What happens to you and your family’s assets should you be sued for something that occurred at your home and the legal costs of the lawsuit greatly exceed the liability coverage defined by your homeowner’s policy? Who will pick up the tab if you are responsible for a multi-car accident and your liability costs exceed the limits on your car insurance by thousands of dollars? Although these kinds of things may be few and far between, you cannot be too careful. Umbrella Insurance is typically purchased at a low cost to you, but will provide enough coverage to where you shouldn’t have to worry about liability costs in the future.
Some people may never use their umbrella insurance, but it provides peace of mind in an unpredictable world. The best part is that it is flexible and covers all three types of policies.
Another advantage of umbrella insurance is that it protects policyholders wherever they are. This means that an Arizona resident vacationing in California would be covered for liabilities stemming from an auto accident. Umbrella insurance provides protection anywhere in the world, so coverage does not end at the international borders of the United States.
Umbrella policies also provide coverage for events that are not covered in typical insurance policies for homes, autos or watercraft. Slander, libel and defamation of character are a few examples of liabilities that are not included in standard policies but are covered by umbrella insurance.
For any claims made against the policyholder, the umbrella insurance covers legal fees and defense costs. This type of policy offers a great deal of protection for an affordable premium. People shopping for Arizona, Nevada, or California umbrella insurance can start by requesting free quotes online.
Selecting your motorcycle is a big decision. Protecting your motorcycle is easy.
Whether you're a weekend warrior, a casual rider, or a hardcore motorcyclist, our motorcycle insurance policy offers protection for you, your bike, and your accessories. Our policy is designed to meet the personal and financial needs of most motorcycle owners.
Collision coverage will protect motorcycle owners from the costs that are incurred if your motorcycle strikes another physical object or a vehicle. Liability coverage will protect you from costs created by injuring another person or another person’s property. School Employees Insurance the Rich Israel Agency also offers insurance to protect you against uninsured motorists and unexpected tows.
School Employees Insurance gives motorcycle insurance policy holders a range of several deductibles from which to choose, and they also provide several discounts and rewards for policy holders who are safe motorcycle operators.
Even if you've been riding for years, it's a good idea to take a close look at your motorcycle insurance coverage. Things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle. You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price.
No matter what type of Arizona, Nevada, or California motorcycle insurance you are looking for, School Employees Insurance can provide you with an affordable policy that meets your needs and gives you the coverage you need to feel confident about your investment. You can obtain quotes online for comparison, so don’t be shy and check out what School Employees Insurance has to offer!
Whether you enjoy taking your watercraft or boat out on the water, go muddin’ with your all-terrain vehicle or take long road trips with your RV, School Employees Insurance the Rich Israel Agency has affordable and comprehensive Arizona, Nevada, and California recreational vehicle insurance. Contact one of our agents today to get fast, no-obligation quotes for policies that cover your recreational vehicles.
School Employees Insurance offers insurance plans for a wide variety of water vessels. Whether you prefer boats or personal watercraft, School Employees Insurance has a customizable insurance plan that will fit your needs and your budget.
School Employees Insurance also covers a wide range of off-road vehicles including golf carts, snowmobiles, dune buggies, dirt bikes and all-terrain vehicles with varying numbers of wheels. We offer Arizona, Nevada, and California recreational vehicle insurance that includes collision coverage, personal liability coverage, medical payment coverage and safety equipment coverage.
It’s great to go camping, especially if you can afford the comforts of an RV. However, did you know that most RV insurance only covers the vehicle when it’s on the road? If something happens to your RV and it gets damaged at a campsite or when you are using it as a home, you might be out of luck if you don’t have a good insurance policy. School Employees Insurance offers comprehensive RV coverage that will insure it against natural disasters, vandalism, theft or even damage caused by animals.
School Employees Insurance also offers several discounts on Arizona, Nevada, and California recreational vehicle insurance policies, so when you’re getting fast and easy quotes from us, be sure to ask if you qualify for further deductions. It doesn’t matter what kind of recreational vehicle you have; you’ll find a good, affordable policy at School Employees Insurance the Rich Israel Agency.
For residents of Arizona, Nevada, and California, there several great lakes to visit in the surrounding states, in addition to the Pacific coastline. If you’ve just recently bought a ski boat or want to take your craft out on the water, make sure you have School Employees Insurance boat insurance or an updated policy first. We will be more than happy to supply you with no-obligation quotes for boat policies.
School Employees Insurance the Rich Israel Agency offers affordable Arizona, Nevada, and California boat insurance coverage that can be personalized and tailored to what you deem is most important. Although many insurance companies give you the option to tack boat insurance on to your homeowner’s insurance policy, these policies tend to be less comprehensive than stand-alone boat insurance policies. No matter if you have a ski boat, a power boat, a sailboat or another water vessel, let School Employees Insurance shop for a coverage plan that’s perfect for you.
School Employees Insurance also offers several discounts on its Arizona, Nevada, and California boat insurance. Boaters who stay loyal are eligible for discounts, as well as boaters who install safety equipment on their boats and boaters who take boating safety courses. When you are receiving quotes from our agents, be sure to ask if you qualify for any additional discounts.
Whether you’re a lifelong boater or just getting started in cold water, it’s always a good idea to take a close look at your new or existing marine policy. School Employees Insurance can help.
You’ve worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Why not get started today and save with a free boat insurance quote.
Buying and owning an RV is a dream-come-true for many travelers across the country. An RV opens up the door to America allowing vacationers to see the many splendors and sights our great nation has to offer. Whether you are climbing a winding road in the Rockies, trudging through the hot desert of the southwest or heading east to the Nation’s Capitol, an RV can get you there. Let School Employees Insurance the Rich Israel Agency help with your Arizona, Nevada, and California RV Insurance policy.
Your new RV comes with a responsibility to protect and secure it from the dangers of America’s roadways. RV insurance coverage with School Employees Insurance will protect your traveling companions and assets while you are on the road.
RV’s are used for a variety of purposes. Your RV insurance premiums will vary depending on the type and amount of usage you get out of your vehicle. Contact us, School Employees Insurance, for an evaluation of your RV needs. Get a free Arizona, Nevada, or California RV quote on your first or next RV insurance policy!
When the days are clear and weather is warm, we know that the first thing on your mind is going out on the water. Don’t even think about hitting the water without being protected by School Employees Insurance personal watercraft insurance.
Our watercraft insurance plans can provide you with coverage against many different types of loss. We offer:
Call our office today and make sure that your Sea-Doos and Jet-Skis are completely covered before you head out for some fun. We can give you a quote in minutes, and then you can get out the door and get on with your summer fun. There’s no reason to go without the proper insurance. Call us, and you’ll be able to enjoy your summer without having to worry about what would happen if anything goes wrong.
To make sure your buggy, quad, side by side, or other off road vehicle you own is protected… contact us for a free quote today!
Let’s face it, off road vehicles are fun. Off road vehicle insurance is a critical tool to make sure you keep them fun. However, four wheelers and other off-road vehicles are expensive, and you’ll always want to make sure you have a proper and comprehensive all terrain vehicle coverage plans that will protect your investment in case the worst happens. If you don’t have ATV insurance or are looking to switch providers, ask for quotes from a School Employees Insurance agent.
ATV Insurance:
All Terrain Vehicles, Quad, and Four Wheelers: whatever name you call it, the fun is still just as good. If you’re using it as a weekend cruiser, running around the farm, or taking it hunting – having your ATV is a lot of fun, but it’s also a big investment.
School Employees Insurance is a leading provider for Arizona, Nevada, and California ATV insurance plans. In addition to covering four wheelers, School Employees Insurance also covers golf carts, snowmobiles, dune buggies and just about everything else that goes off the beaten path.
School Employees Insurance the Rich Israel Agency offers several varieties of personalized all terrain vehicle coverage that will fit just about everyone’s budget. In addition to personal liability coverage, collision coverage, medical payments coverage and coverage for safety equipment, School Employees Insurance also offers coverage for optional equipment, and transport trailers.
School Employees Insurance offers several discounts to its policyholders, so be sure to ask one of our agents if you qualify for any significant deductions when you’re receiving one of your quotes. Although it may seem like you have a lot of options when choosing an off-road vehicle insurance provider, School Employees Insurance offers excellent customer service to go along with great, affordable Arizona, Nevada, and California insurance policies.
If you own a travel trailer or camper, don’t rely on auto or homeowners insurance to deliver adequate protection. Our affordable Arizona, Nevada, and California trailer insurance plans provide comprehensive coverage for a wide range of trailers. We insure various types of campers, 5th wheel trailers and Toyhaulers.
Our trailer insurance policy will reimburse you for damage caused by natural disasters, fires, thunderstorms, wild animals or auto accidents. It also provides compensation when someone steals or vandalizes your 5th wheel or pop-up camper. Our policies even cover add-ons like awnings, bike and storage racks, and television antennas.
It doesn’t matter if your camper is on the road, parked at a truck stop or sitting in a campground. We protect customers from the financial burden of travel trailer damage or loss. Your eligibility will not be affected if you move your trailer frequently, live in it or keep it in a single location.
School Employees Insurance the Rich Israel Agency also supplies a range of extra coverage options. Our add-on policies can reimburse you for lodging when your camper needs repair, provide full compensation for lost possessions or limit your exposure to personal liability. We also offer a roadside assistance program that reduces the cost of towing and repair services.
Insurance policies typically reimburse customers for the actual value of destroyed or stolen property. This isn’t enough money to pay for a new trailer; it is usually sufficient to buy a similar used camper. However, our optional Total Loss Replacement program replaces ruined campers and Toyhaulers with equivalent new models.
Regardless of the specific trailer you own or how you plan to use it, you can trust School Employees Insurance the Rich Israel Agency to quickly and fairly respond to each claim. Please contact us for additional information and quotes.