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Western Pacific Insurance
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At Western Pacific Insurance (WPI), we promise to find you the very best solutions for your insurance needs. We happily offer well-thought-out, customized insurance plans for individuals, families, and businesses of the western states, including Nevada, Utah, California, and Arizona.
The team at WPI is more than happy to shop your custom-tailored policy through our top-rated insurance carriers, ensuring that you will receive the insurance coverage you need at the price you want. No matter whether you’re looking for home insurance, auto insurance, umbrella insurance, life insurance, business insurance, or anything in between, we can secure solutions to protect you best with limited work on your end. Read more about us!
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
“Western Pacific has very competitive homeowners' insurance rates and many of our clients use them when purchasing insurance for the escrow closings. I have also switched to them personally for multiple policies. Renee Thompson helped us get set up, and Walter Gonzalez helps us maintain our policies with great rates.”Karlee A.Personal and Business Client
“Yescenia is an awesome insurance agent! She helped me find a great quote for my auto insurance. She showed me a great presentation for the quote and left no room for any questions. If you want Insurance fast, easy, and with proper information, she’s your agent!”Alejandro C.Personal Insurance Client
“I was referred to Western Pacific Insurance by my loan officer when purchasing a new house. I was shopping around for quotes, and he strongly suggested WPI due to their excellent customer service and being able to provide affordable quotes.”Maya A.Personal Insurance Client
Real clients. Real reviews. Real coverage.
“We have been with Western Pacific for over six years and no one can come close to their rates. We love working with Sabrina as she always gives us excellent customer service and goes out of her way to help us. She makes everything so easy for us and the amount of coverage that we get for such an affordable rate can not be beaten.”
– Stephanie S.
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
Bodily Injury Liability Coverage
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Transportation Expenses / Rental Coverage
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Auto Insurance 101
Make sure you cover the unique risks you face with auto insurance.
Click on the hotspots.
Discover your risks.
Get the right coverage.
Experience the Difference in Western Pacific Insurance
Here’s what sets us apart when it comes to serving your insurance needs.
Proud to Give Back Locally
We care about the local community and are proud to give back and get involved with the charities we support.
Simple and Quick Coverage
We proudly offer our clients simple solutions and the coverage you’re looking for with minimal work on your end.
Specialty Services and Solutions
We also specialize in new purchase and refinance transactions—quotes and binder requests are returned within 30 minutes or less.
More Than Insurance
While we specialize in a number of insurance policies, we also offer new purchase and refinance transactions—all quotes and binder requests are returned within 30 minutes or less.
Realtors, escrow officers, loan officers, and loan processors are all welcome to request quotes on behalf of the buyer. We have a number of leading companies that specialize in homeowner’s insurance. In many cases, we have helped save a loan by reducing the homeowner’s insurance price while still providing excellent insurance coverage.