Vukovich Farmers Insurance

Information may not be reliable

If you have an urgent claim, please contact your company at the claims number posted below.
Since 1954 the Vukovich Family has been active in the foothill community of El Dorado and Amador counties. From one generation to the next we are proud to provide insurance for you, your family and your business.
We were here for you yesterday and we'll be here for you tomorrow.

With Vukovich Insurance, you have the benefit of 2 separate insurance agencies in one location: Click on the below links for additional information on either agency.
Aimee Vukovich Insurance Agency License#: 0584677
Specializing in El Dorado County, Farm and Ranch Insurance; Business Insurance; Commercial Auto Insurance; Car Insurance; Home Insurance. Call for a no obligation car quote. If you live in the Placerville, Diamond Springs, El Dorado, Somerset, Fairplay, Mt. Aukum, Grizzly Flat, Camino, Pollock Pines, Shingle Springs, Cameron Park, El Dorado Hills, areas, drop by any time and pick up a complimentary ink pen, or ruler, or letter opener, or any one of our numerous promotional items.
Troy Vukovich Farmers Insurance Agency License#: 0780454
Specializing in providing El Dorado County with expert assistance with your Auto Insurance, Home Insurance, Business Insurance, Worker's Compensation Insurance, Life Insurance, Health Insurance.

Our web site is designed to provide you with information about us and some of our programs. We believe human contact is still the best method of providing insurance, so please, feel free to browse and then contact us when we can answer questions or schedule an appointment.
BUYING INSURANCE: We know that insurance may be purchased from anyone, through any source and we believe it is our superior service and knowledge that sets us apart. Everyone is an individual and we appreciate that some of your biggest investments are protected by insurance. Personal contact is essential, we are here to assist you in your insurance buying adventure. Insurance buying can be confusing, stressful and not always an easy task. We are here to help you with the coverage selection process, needs determination and premium payment options. Vukovich Insurance is not only Aimee or Troy. We are also: Wendi, Nena, Cynnie all knowledgeable and extremely helpful.

Brush Scores. Right now, we are seeing an increase in the number of non renewals and declines in property policies, due to brush scores. What does this mean to you? If you are in a designated brush hazard area, your insurance is subject to action, depending on your insurance company. Some insurance companies have always monitored brush hazard zones, so there are no surprises with them and you can expect to receive continued service from them. Some insurance companies are evaluating their financial position and find that brush hazard zones are directly proportionate to their bottom line profitability. Given the economics of today's investment markets and the huge loss of capital reserves due to the previous year's firestorms, insurers are looking at their underwriting philosophy with much more conservatism. If the area looks likely to be embroiled in a firestorm, the insurers are either backing out of the market, non-renewing policies or refusing to write in given areas. El Dorado County is, by nature a forested area. We have many "protected" homes (that is a fire hydrant nearby and/or within 5 road miles of a responding fire department) that still fall within a brush hazard zone.
Softening market. The last couple of years we have been experiencing difficult insurance markets and we are glad to see things loosening up a bit. We are seeing some of the rates coming down on difficult to place risks, new programs with lower rates.
Contractors in California will probably always have a difficult time locating suitable insurance policies. Watch for innovative and non standard policy wording on policies that appear to be a "good deal". Remember the old adage: "If it sounds too good to be true, it probably is."
General contractors: Make sure all of your sub contractors provide you with certificates of insurance, and additional insured endorsements in your favor AND that their limit of liability insurance is equal to or greater than yours. Absent this, your liability insurer may deny claims or rate sub contractors as if they were employees, which could be extremely costly.
Certificates of insurance are a great tool for quick reference to insurance company information and policy limits. They are woefully inadequate, however, in providing policy information, including deductibles, exclusions, warrants and classifications covered. If you really want a clear policy picture, you will need a copy of the policy declarations, including the endorsements list.