Our Insurance Solutions
Auto Insurance
Protection for the road — from daily commutes to family trips.
Auto insurance is required by law in California, but choosing the right coverage is where most people feel overwhelmed. We help you understand your options so you’re not overpaying or underprotected.
Solutions available with VNGO:
Liability (required in CA): Covers injuries or property damage you cause to others.
Rental reimbursement & roadside assistance
Coverage for multiple drivers and family vehicles
Multi-vehicle and household policies can save you money.
Home Insurance
Protection for your home, belongings, and peace of mind.
Homeowners face risks ranging from accidental damage to weather events to liability claims. Home insurance ensures you don’t lose financially from events outside your control.
Solutions available with VNGO:
Dwelling Protection: Structural damage to your home (walls, roof, foundation).
Personal Property: Furniture, electronics, clothing, and valuables.
Liability Coverage: Protects you if someone gets injured on your property.
Loss of Use: Helps pay for hotel stays or rentals if you can’t live at home after a covered loss.
Umbrella Insurance
Extra liability protection for families, professionals, and property owners.
Umbrella insurance is often misunderstood until people realize how quickly a lawsuit can exceed the limits of a regular policy.
Solutions available with VNGO:
Provides $1M+ in additional liability coverage.
Covers situations standard policies don’t fully protect (lawsuits, injuries, property damage to others).
Liability Coverage: Protects you if someone gets injured on your property.
Essential for people with assets, children, rental properties, or higher-risk lifestyles.
Commercial Insurance
Protect your small business, your assets, and your future.
Whether you're self-employed, run a retail shop, or manage a growing team, commercial insurance shields your business from costly risks.
Health Insurance
Guidance you can trust for Medicare and small-group health plans. Health coverage is one of the most personal and important decisions you can make. Our agents help you navigate Medicare’s complexities or find small group plans that work for your team.
Shop the market for Small Group Health plans tailored to your needs
Turning 65? Retitring? We can guide you through the Medicare process to simplify your plan selection
We provide quotes, enrollment assistance and ongoing service
Assist with renewals
In California, Small Group health insurance is for businesses with 1 to 100 full-time equivalent employees. The plans must adhere with the Affordable Care Act (ACA), a healthcare reform law that passed in 2010.
Key features of California Small group health insurance
Employee Eligibility: In California, the small group market includes businesses with 1 to 100 employees
Eligibility requirements: To be considered a "Small" business, a company typically must have employed at least one non-owner W-2 employee for 50% of the preceding calendar year or quarter.
Participation Requirements: Insurance companies will require a certain percentage of eligible employees to enroll. (Generally, 65%)
Premiums: Employers and employees share the monthly premium cost, which is determined by factors like age, family size, and location.
Essential Health Benefits: All plans must cover ten essential health benefits, including hospitalization, prescription drugs, maternity care, mental health services, and preventive.
Ancillary Benefits: In addition to medical insurance, many plans offer ancillary benefits such as: Dental, Vision & Life.
Key features of Medicare
Applying online at the official Social Security site: ssa.gov/medicare/sign-up
Visiting your local Social Security office
Calling Social Security at 1-800-772-1213 (TTY: 1-800-325-0778)
Calling the Railroad Retirement Board (RRB) at 1-877-772-5772 if you worked for the railroad
If you already have Part A and want to add Part B, you can complete the official Application for Enrollment in Part B (Form CMS-40B).
Recreational Insurance
Coverage for the fun parts of life — without the risk.
Boats, RVs, off-road vehicles, and outdoor equipment require the right protection. Standard auto or home insurance doesn’t cover them.
Solutions available with VNGO:
Coverage against accidents, weather damage, theft, liability, etc.
Can provide coverage for personal property related to the item insured (camp gear, fishing gear, water ski's, etc.).
Roadside assistance / on-water towing.
Vacation liability
Get Started Today
As an independent insurance agency, we work with top carriers in California to bring you competitive rates, personalized options, and ongoing support.
20+ years of experience
Local knowledge, statewide reach
Fast, friendly assistance
Flexible coverage for every stage of life
We are available Monday through Friday, 9am-5pm.
Get a Mercury Home Quote here.
