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Huggins Dreckman Insurance Agency Inc is dedicated to providing quality, affordable insurance to help you protect what’s most important.

Protect Your People and Possessions

Your family and the things you’ve earned are all important to protect with personal insurance.

Insure Your
Industry

Safeguard your niche industry and investment properties with insurance by industry.

Protect Your
Success

You’ve built your business, now we’ll protect it with business insurance solutions.

Take Care of
Your Team

Your staff supports your business in more ways than one—offer employee benefits packages.

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Learn About Huggins Dreckman Insurance Agency Inc

Our legacy is what has led to our success, and is what guides our drive and dedication to serving others. Huggins Dreckman Insurance Agency Inc is a third-generation, family-owned and operated insurance agency that has been a powerful part of our community—protecting people and businesses since day one.

Grown to serve not only California, but 20 other states as well. Our goal is to provide quality insurance that’s affordable for your needs. Whether you walk through our doors, call us on the phone, or connect with us online, you’ll get the same, experienced service and an agency committed to doing our part to help you simplify your insurance.

About Our Agency
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Insurance for California and beyond

Huggins Dreckman Insurance Agency Inc is an agency from Orange County, CA, and is dedicated to serving your insurance needs locally and beyond. With offices in Los Alamito, CA, and Orange, CA, we are proud to serve California and over 20 additional states. Contact us today to get started.

The Solution to Your Insurance Needs

Huggins Dreckman Insurance Agency Inc offers a variety of personal insurance, business insurance, and employee benefits solutions to help you protect what matters most.

“I worked with Stan on coverage for a new condo. He made the process very easy, informative, and was available to answer all questions! The rate he was able to provide was offered better coverage and for less than when I shopped on my own.”

– Alia M.

“When my homeowners insurance company couldn’t accommodate my property manager’s needs on my rental house, Stan and his team made it happen. Plus, my rates dropped. Thankful for their help and support.”

– Carol M.

More Insurance Solutions

The Independent Agency Advantage

What makes our independent insurance agency different?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

Meet Stan Dreckman, CEO and President

  • Author and speaker on insurance topics for apartment and real estate investor insurance programs.
  • Donates time to non-profit speaking and educational activities.
  • Supports military and animal-focused charities.
  • Third-generation Californian, raised in Asheville, NC.
  • Earned Safeco’s Award of Excellence seven times.
Contact Stan

“Stan is the man! He’s super knowledgeable and helpful. He also makes himself very available. I called, and we spoke, and he gathered the necessary information and delivered the quote when he said he would. I highly recommend Stan!”

– Christina P.

Renters
Personal Property
Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.

Solution

Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.

Limits and Exclusions
Risk Factor

Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.

Solution

Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Additional Living Expense
Risk Factor

If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.

Solution

Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.

Liability
Risk Factor

You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.

Solution

Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.

Medical Expenses
Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.

Solution

Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Landlord
Risk Factor

You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.

Solution

Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.

Improvements or Betterments
Risk Factor

Any improvements or betterments that you have made to your unit are subject to damage.

Solution

Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.

Contents Away from Home
Risk Factor

You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?

Solution

Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.

Premises Liability
Risk Factor

You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.

Solution

Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.

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Find Assurance With Assurant Renters Insurance

Learn more about how a renters insurance policy from Assurant can help protect your belongings and your home.

Manage Your Policies

Already a client of Huggins Dreckman Insurance Agency Inc? Visit our Service Center to make requests and manage your insurance.

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  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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