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Huggins Dreckman Insurance Agency Inc is dedicated to providing quality, affordable insurance to help you protect what’s most important.
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.
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.
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.
“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.
Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.
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.
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.
Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.
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.
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.
You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.
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.
You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.
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.
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.
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.
Any improvements or betterments that you have made to your unit are subject to damage.
Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.
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?
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.
You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.
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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- Click on the hotspots.
- Discover your risks.
- Explore coverage options.
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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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