When you’ve been insuring residents in Tracy, California and communities throughout the Greater Bay Area for nearly 100 years, you can be sure we know exactly what we’re
doing. Homeowners come to Ritter Insurance Agency to protect what for many represents their biggest investment – financially and emotionally. A home reflects all
your hard work and it’s where you and your family make memories. Ensuring you are properly protected in the event of property damage or an accident in your home is our
mission in helping you to continue to create those memories year after year.
The staff at Ritter Insurance Agency will discuss with you the amount of coverage you need to rebuild your home in the event of damage resulting from a fire or other covered hazard. This involves insuring your home with 100% replacement cost coverage to replace your damaged or destroyed home with the exact same or a similar home in today’s market. Insuring your home with full replacement value will help avoid significant out-of-pocket expenses that could tap into your savings. It’s important to note that studies show that almost 60% of homes are underinsured by at least 18%. Should a total loss occur, a homeowner could end up being responsible for a substantial portion of the costs to rebuild a home. Our insurance professionals will go through each of your options to secure adequate insurance coverage. Replacement cost coverage is also available for your personal contents like your television, furniture, and other belongings. For high-value homes, there are additional options available to extend coverage as well as risk-mitigation services provided by insurers that specialize in insuring the unique needs of these types of homes. Ritter Insurance Agency works with several insurers to secure coverage that fits your risk profile. Additionally, we will review any personal valuables (jewelry, artwork, collections) you own that require additional coverage beyond what the Homeowners policy provides.