Cost is one concern when looking for insurance, but another is the coverage since many companies, unknown to you the layman, won’t reimburse the full value of your insured item even though you thought they would.

That’s why consumers who reported to us said they were grateful to have found Richard Simon of Simon Insurance Company in San Rafael CA who can shop among multiple carriers for the best rate for you for all kinds of coverage for both businesses and individuals, who ensures that the policy actually makes you whole in the event of a claim and doesn’t shortchange you, and who cares enough to get involved when there is a claim to make the process easier for you.

Consumers Report Lower Rates & Better Coverage From Richard Simon Insurance in San Rafael CA

Richard Simon is not obligated to any single company, and with industry experience going back to 1989 he’s able to quickly tell which companies have the best terms and prices for each type of coverage you need, letting you save the most, getting you rates that are often half that of other agents.

But saving you money isn’t just a question of lower premiums, but the quality of the coverage. Consumers who found out the hard way learned that the language in their policy about Actual Cash Value (or ACV) isn’t as good as it sounds, with the company allowed to discount for depreciation come claim time, leaving you with a potentially big out of pocket expense to replace a lost item.    Many agents are happy to sell such a policy to you without revealing that, especially when it seems to satisfy your need to save money with a slightly lower premium.

In contrast, Richard Simon considers it his responsibility to make sure clients are fully reimbursed by their policies as they expect, with Replacement Cost Value or RCV instead of ACV.  But even then he uses his three decades of experience to scrutinize the fine print to make sure the company doesn’t shortchange you on replacement. Richard explains, “For example, some will include a clause about reimbursing you for “similar construction”, so if you had redwood, replacing it with cedar is similar, of if you had a Sony 55″ HDTV, they’ll replace it with a Magnavox which doesn’t have the same clarity and quality, or if you had cherrywood floors they might even have the hubris to replace it with a cherrywood colored laminate.”

With so many others willing to take advantage of your ignorance and sell policies that end up disappointing you and potentially costing you tens of thousands out of pocket, why doesn’t Richard Simon just do that too?   He says, “I’ve been doing this a long time and what keeps it rewarding for me is knowing that I’m really helping people by looking out for their best interest.  I’m truly an agent for their interests, not a salesperson for the insurance companies.”

Consumer reports we received reflect this like one from Niz who told us, “Richard Simon is fabulous. He is so responsive to all needs and just makes it happen. A really great guy. He knows a lot. He studies and organizes the insurance. He makes sure the companies do what they say they’re going to do. What else do you need? I recommend him highly.”
Another named Alan reported to us, “I’ve used Richard Simon and his company for the last 15 years. They’ve done a very good job for us.  Give us options and find the best insurance available and has helped us out in a pinch on a couple of different properties. Highly recommend them. Good group and they’ll take good care of you.”

Richard Simon has a proven commitment to getting you the best possible price and terms for you, as shown by one recent client who bought an older home at $1.1 million which had some issues like loose wiring and a little bit of mold.  Richard Simon secured the right coverage and great terms for them but then explained they had 60 days to get the house to the underwriter’s standards, and even referred the exact contractors for them to use based on his good experience with them.  The issues were addressed and they were able to keep the policy he found for them. “My rates were half that of a competing quote they got and the coverage was more comprehensive. It wasn’t an easy risk to insure but they were so grateful and thankful that it was worth the time I put in.”

The better coverage that Richard Simon is able to find for his clients is the kind that can save them tens or hundeds of thousands of dollars. For example, if your city forces you into expensive upgrades of your property that you don’t want to pay for, you can tear down the house and most policies will reimburse you a percentage of the value, say 10% up to 50%. But the Richard Simon was able to get 100% reimbursement included in the policy for the aforementioned homeowners as well as up to 100% reimbursement for things like the cleaning and replacement costs from a sewer backup.

When a loss occurs and you have to navigate the claims process on top of dealing with that, it can be stressful and confusing. Where other agents don’t consider that their responsibility, Richard Simon actually cares about his clients to help where he can. Like a client who was struck by a red light runner who accused her of running the light instead. “I explained to her she could pay the city $42 to pull the disc of the video proving the other party was at fault and we did just that.  I consider it part of my job to give the right advice to make sure clients always have the easiest time possible.”

This was proven by consumer reports to us, like the one from Karen who told us, “About Simon Insurance Company, we’ve used them for a long time. They go the extra mile for me.  They always jump at what I need and I don’t understand all the intricacies of insurance and they just go the extra mile to make sure I get everything and explain it to someone like me and they just do a really good job for me.”

Marin County resident Richard Simon lives in San Rafael CA. He and his wife have raised two grown children here in an area that Richard loves for the physical beauty and intellectual diversity. He keeps both body and mind fit with 90 minutes of exercise each weekday and an hour spent reading the New York Times.    Friends say that Richard is likable and able to relate to you easily, while clients describe him as tenacious on their behalf to get exactly the right results for their needs.

So instead of getting snookered by agents all too happy to sell policies that cost more than they need to in premiums, or cost you lots more later when you learn the coverage doesn’t actually make you whole again like you thought it did, consumers say that Marin County firm Richard Simon Insurance in San Rafael CA is the one that chooses among multiple companies for each type of policy you need in order to get the lowest rates possible, and who considers it an ethical responsibility to make sure the coverage reimburses you in full without the common tricks that let companies pay you less, all while caring enough about you as an individual to make the claim process easier.

In the words of one consumer named Patrick who reported to us, “With regards to Richard Simon and Simon Insurance I’ve had the pleasure to work with Richard Simon both professionally and personally with insurance needs, here at my shop with regards to workman’s comp and shop policies.  He has definitely gone way above and beyond and has saved me considerable money over the years. And for my vehicles he was able to save me at least another 25 percent or more by shopping around and also taking the personal attention and tweaking the policy to really address the cost savings and not lose the coverage that I needed and wanted.  I constantly refer them on a  regular basis. Definitely, definitely Richard Simon and his team are the best.”