Insurance Services We Provide

You can't go wrong allowing our agents to guide you to the perfect solution for your insurance needs. From car insurance to commercial insurance, we have you covered.

Personal Insurance Coverage

The Larry Benson Insurance Agency knows that often you need more than just Auto, Home, and Life coverage to insure what important to you. Below are some of our most requested types of coverage. And if you do not see it listed here, please ask one of our agents and they can most likely help you get the coverage you need. Click on the coverage below for additional details.
ATV Insurance
Auto Insurance
Regardless of whether you’re driving the coastal hills, the gold country, the big city, or down south to Disneyland, you and your vehicle deserve the best in insurance and services. When you get coverage from Larry Benson Agency, Inc., you can enjoy the drive knowing you are covered. We are here to serve our clients in San Joaquin County of Central California.

The Basics

Most auto insurance policies have two components, protecting the investment in your vehicle and protecting you in case of damage or injury to someone else. Our policies can do both, and save you money at the same time!

Our policy covers state-required liability, but you may need to expand your coverage to insure against serious injuries or damage in the event of a more serious accident.

  • Adding uninsured/underinsured coverage provides protection in the event of an accident caused by an uninsured or under-covered driver.

  • You can add rental car coverage for yourself; insuring you can remain mobile while repairs are made.

  • You can add roadside assistance and towing.

  • You can insure your trailer, boat, and RV.

  • Discounts

    We offer a full array of discounts. Talk with one of our agents to get a better idea of how we can save you money.
    Boat Insurance
    We can protect recreational boats, valued up to $250,000, including bass boats, sailboats, cabin cruisers, jet boats, and ski boats.

    Save even more with discounts on liability boat insurance quotes when you take a boat safety course, insure multiple boats, and more.

    Get boat insurance quotes and receive competitive rates on the coverage you need. Our affordable policies help you keep your boat protected on the road and on the water.
    Flood Insurance
    Homeowners Insurance
    You've worked hard for what you have. Your house is more than a place for your stuff. It’s your castle. Protect the people you love and the things you value with home insurance.

    Protect Your Home and Property

    Fire, theft, accidents — no one can predict what will happen, but you can prepare for what may come with affordable home insurance from Larry Benson Agency.

    This could protect you from:

  • Fire and lightning

  • Flood

  • Smoke damage

  • Falling objects

  • Damage by freezing

  • Explosion

  • Theft on or off premises

  • Vandalism and mischief

  • Plumbing overflow

  • Electrical damage to home and appliances

  • Protect yourself and others

    When accidents happen on your property, they can cause injury to your family and others, or damage to other people’s property.

    We can help protect you with comprehensive coverage:

  • Personal liability for you, your spouse, relatives living with you, and persons under 21 in your care

  • Protection against claims you're legally obligated to pay — injury, sickness, disease, and death of others

  • Payment of the cost of defending claims against you

  • Medical expenses of others

  • Accidental death benefits

  • There are lots of ways you can save with Larry Benson Agency. We offer Home insurance discounts:

  • Monitored fire and burglary alarms

  • Fire extinguishers

  • Deadbolt locks on all exterior entryways

  • Sprinkler systems

  • Home insurance combined with auto insurance or other policies

  • Talk to one of our agents to see which home insurance discounts may apply to you.
    Identity Theft
    Every day criminals use tricks and sophisticated tools to try to break into people’s email, internet banking, and records. Once they have them, an individual’s vital information — possibly even credit card numbers — can be used anywhere in the world.

    Don’t run the risk of becoming a victim of fraud and identity theft. Identity theft coverage can help you protect your information and keep you from having to spend countless hours trying to restore your credit and good name.

    How does identity theft coverage work? Fast. Just make one call to our identity theft hotline. Our experts will immediately take action to:

  • Quickly assess your situation to determine if fraud has occurred.

  • Stop damage to your credit within minutes of your authorization by directly contacting major credit bureaus.

  • Make all required phone calls to creditors, banks, and agencies.

  • Assist you in replacing documents, including driver’s license, passport, Social Security card, and other ID.

  • Provide an emergency cash advance if the theft occurs while you’re away from home (restrictions and limits apply).

  • Provide up to $25,000 in recovery for expense reimbursement with no deductible.
  • Life Insurance
    Life insurance coverage is your financial security blanket throughout the many stages of life. It can help you plan future events such as college and retirement, and it offers financial protection for your love ones in the event of your death. Providing death benefits to your beneficiaries is your best step in protecting your family. The Larry Benson Agency has several policies that can meet your needs.

    Life is never static, it's always changing, and so will your life-insurance needs. So when choosing a policy, make sure it is suitable for your long-term needs.

    Also, pay attention to any associated costs before making a purchase. Life insurance fees and charges include a cost of insurance based on characteristics of the insured person such as gender, health, and age, as well as additional charges for riders that customize a policy to fit your individual needs.

    Term Life Insurance

    Term life insurance provides protection for a specific period of time, or term. It is most often sold in 10-, -20, or 30-year terms. The premium stays the same throughout the term. If the insured person dies during this period, the beneficiaries receive the proceeds tax free. At the end of each term, the insured may renew the policy (generally at a higher cost) up to age 95.

    Whole Life Insurance

    Whole life is the most common type of permanent life insurance. With whole life insurance, your premium payments remain the same over the life of the policy. You can choose how often you'd like to make premium payments, too — annually, semiannually, quarterly, or monthly.

    Some whole life policies can be paid up after a certain number of years. When you purchase a policy, you'll know how the cash value will grow over the life of your policy.

    Universal Life Insurance

    Universal life insurance provides permanent life insurance protection and access to cash values that grow tax-deferred. The major advantage of UL is flexibility: you can change the protection level of the policy (within bounds) and you control the amount and frequency of payments (again, within bounds).

    This life insurance offers protection for your family and strategies for leaving a legacy to them. It can also help small business owners with continuation planning.
    Motorcycle Insurance
    With our motorcycle insurance coverage, you can have up to 12 bikes on one policy with coverage up to $50,000 per bike. With our custom motorcycle insurance, you can also protect your custom parts (up to $30,000) and, custom bikes and trikes (up to $50,000). Our classic motorcycle insurance also covers kit and vintage bikes (up to $30,000).

    Because our rates are so competitive, you can get the coverage you need at a price that’s right for you.

    Save even more with discounts on motorbike insurance when you take a riding safety course, insure multiple vehicles, and more.
    Personal Umbrella Liability Insurance
    You've insured your car and your home. If the unexpected should occur, make sure you are protected.

    A personal umbrella insurance policy offers an extra layer of liability protection for your assets if there's a serious auto accident or accident on your property. Otherwise, you could be liable for more than your current auto or homeowners coverage limits.

    How personal umbrella insurance coverage works — consider this scenario:

  • Your home insurance provides $700,000 of liability coverage.

  • A serious accident occurs on your property, and you’re sued for $1.7 million, resulting in a judgment against you.

  • Your insurance would pay up to $700,000 for a covered accident, but you would need to come up with the remaining $1 million.

  • If you had $2 million of coverage under an umbrella insurance policy, you would not need to liquidate your assets to pay the remaining $1 million in this example.

  • Personal liability insurance helps protect your wages, house, investments, cars, and boats from being at risk if a serious accident occurs. Talk to an agent to find out what the best level of coverage is for your situation.
    Pet Insurance
    Whether they have two legs or four, every family member deserves quality health care. Since 1982, VPI Pet Insurance has helped pet owners provide optimal veterinary care for their pets.

    A VPI Pet Insurance policy provides reimbursement coverage, including:

  • Eligible medical treatments

  • Surgeries

  • Lab fees

  • X-rays

  • Prescriptions

  • Pet insurance helps you make healthcare decisions for your pet based on your veterinarian's recommendation rather than the cost of treatment.

    When you enroll your pet, VPI believes you’re not just buying a policy — you’re also joining a family of professionals with decades of pet health knowledge, expertise, and service dedication.
    PWC and Jet Ski Insurance
    Personal watercraft insurance helps pay for accidental damage and offers rental reimbursement, roadside assistance, and fuel-spill protection.

    Save even more on watercraft insurance when you take an approved water safety course or sign up for multiple policies.

    Our competitive Jet Ski insurance rates let you stay out on the water for less.
    Renters Insurance
    RV Insurance
    Keeping your RV protected has never been easier. Collision, theft, and vandalism are covered when you choose motor home insurance from us.

    Choose the camper insurance that’s right for you and your budget.

    Bundling policies and completing approved RV safety courses can qualify you for an RV insurance discount.
    Specialty Liability Insurance
    Wedding and Events Insurance
    Your wedding is a magical day that you hope will be perfect. No matter how carefully you plan your wedding day, circumstances beyond your control may cause you loss or hardship. That’s why it’s a great idea to cover your special day with wedding insurance.

    We can offer two types of wedding insurance to protect you and your investment.

    Wedding Cancellation Insurance

    Our specialty insurance for weddings helps protect your financial investment if you’re forced to cancel or reschedule for a covered reason or if your wedding takes place as scheduled but you experience a covered damage or loss to your wedding dress, rings, photos/video, or more. Wedding cancellation insurance also offers these additional benefits:

  • Protection against lost deposits due to vendor bankruptcy during the planning process

  • Reimbursement of non-refundable deposits if you cancel or postpone for a covered reason

  • Includes the rehearsal dinner if held within 48 hours of your wedding

  • Variable coverage options

  • Available for purchase up to 15 days prior to your wedding day

  • Wedding Liability Insurance

    Our specialty liability insurance for your wedding provides important liability protection for the bride and groom and their parents as well as your venue. It protects against property damage, bodily injuries, and alcohol-related accidents caused by a vendor or guest that may arise during the rehearsal dinner, wedding ceremony, and reception. Wedding liability insurance also offers these benefits:

  • Coverage is for both you and your venue, if requested

  • Variable coverage limit options

  • Certificate of Insurance can be emailed directly to the venue

  • Discount pricing available if purchased with Wedding Cancellation Insurance in certain states

  • Product benefits and features vary by program. All programs have specific eligible operations, ineligible operations, and notable exclusions.
  • Business Insurance Coverage

    It's your business, you've dedicated yourself to doing a great job, serving your customers, and working hard to succeed. At the Larry Benson Agency feel the same way. Our agents serve you with honesty, integrity, and creativity — actively seeking the best insurance solutions for your business.

    We'll take the time to analyze your business needs and customize an insurance plan — drawing from a full range of options to protect your business.
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    Auto and Fleet
    People and Staff
    Workers’ Comp
    Liability Protection
    Farm and Agribusiness
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    6 W. 11th Street
    Tracy, CA 95376

    (209) 229-1096

    Stockton Location

    4545 Georgetown Place
    Suite A-1
    Stockton, CA 95207

    (209) 337-0241

    CA. lic # 0G93825

    After you file a claim is the wrong time to find out if you don’t have the right insurance!!!

    Our Agents speak Mandarin, Spanish, Taiwanese & Vietnamese.