Car get keyed? Home vandalized by a tenant you were renting to? These are things that could be covered by your insurance.



You’ve worked hard to buy your home and fill it with your personal belongings. A fire can take that all away from you swiftly, protect yourself?



Slip and fall, dog bites, there are so many things that can go wrong. Don’t take the risk



The ultimate violation is when you are burglarized. Jewelry, fine art and collectibles should insured separately so their full value is realized.



Earthquake, windstorms, the unexpected risks can take a toll.


Auto Accident

A risk we take owning and driving a car comes with the risk for damages not just to property, but also possible injury, and even loss of earnings due to an accident. Be prepared.



Sara Cohen has worked in the insurance industry since 1997.

Sara began her career as a claims adjuster, investigating and negotiating settlements for automobile accidents. After a year and a half, she was promoted to Supervisor of the Claims Adjuster Training program, where she taught about customer claims and the responsibility of the insurance company. Her ability to analyze and “adjust” cases helped her to fully understand the insurance process by seeing it from the customer and the insurance company’s side. Her career then evolved into leading highly-specialized training programs and the development of new claims adjusting processes. She also served as an arbitrator settling insurance disputes between various insurers.

In 2006, Sara became an independent insurance agent, specializing in both personal and commercial policies. She prides herself on understanding the necessity of matching the proper insurance coverage with each individual’s needs and lifestyle. She takes the time to get to know her clients, and can thereby match them with the best insurance fit.

Whether it is a quote for the experienced or inexperienced driver, the new home buyer, or protecting a business, Sara takes pride in her work ethic, and treats each client as her number one priority. As a service, Sara also offers a free, no-obligation review of your insurance policy to see how she can improve both the coverage and the cost. With access to over twenty different insurance companies, she works hard to make sure to get the best rates and coverage for the items her clients work so hard to own.


If a homeowner can’t find coverage, the last resort is the California Fair Plan. However, the plan only offers fire coverage, so homeowners have to find a secondary policy to insure against water damage, theft, and more.

“I just quoted somebody today, and between the two policies, they are looking at $4,200 a year and that house should be $1,500 or $1,600 a year,” said Sara Cohen at Penguin Insurance.

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