Google+

"Arkansas, Arizona, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Illinois, Indiana, Missouri, New Jersey, New Mexico, Nevada, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, Wisconsin"

Read What Our Satisfied
Customers Are Saying!



"Great customer service, quick response and turn around. Thanks Jennifer!!!"
Cathy Washington


"My name is Ric Stuber and I am the owner of Diamond Towing located in Windsor, California. I started my business almost three yeats ago. About a year after I started my business I received a postcard in the mail saying I may be paying too much for my insurance. I followed up on the post card and it was the best decision I could have made. For the same coverage I was now paying close to $ less per year. Whenever I need help, I contact Cortney Best, the commercial manager and it gets done. She follows up with calls and faxes. That never happened with the last company I worked with. They want your money but they were never there for you. So the next time you're shopping for insurance, give Cortney a call at Rogers Insurance Service, and find out just how professional they are. They do what they advertise. "
Ric Stuber,
Windsor CA


"My wife June and I would like to express out sincere appreciation to Mrs. Jennifer Moales for an excellent job that she did for us over the last month or so, especially over the last week. She found solutions to our needs. not only saves us money but also found us better policies. Jennifer is very courteous, knowledgeable, professional and reliable. Her customer service is second to none. She is always calm under pressure (I don't even know if she felt any pressure at all!) We tried to do 8 policies all at once with one fairly complex policy. She tried many options to come up with the bets solution for each property. We believe she got us a very good package. Last but not the least we like to thank you for assigning he to work with us. We trust that this is just the beginning of a long relationship between us and your Group. Best Regards. "
Giang Dao,
Milpitas, CA


"Thanks for the opportunity to say how much I appreciate the good service I receive from Orlando's staff. I've had my auto and homeowners insurance with your firm since I moved here to Danville, and am happy I made the change from my old carrier to Roger's Insurance. Saved $3000 in cash money and have better coverage. Keep up the excellent work. I know you're looking out for me!"
The Valerrama Family,
Lake Oswego, OR


"Orlando's entire staff wet above what I expected, not only did they give me a great rate, but as a consumer I feel better educated about my insurance. I know what the coverage means, because they took the time to explain it to me. I also like the extra features of being with RIS, like the newsletter and Referral program. This year I am going to win the GRAND PRIZE!!!"
Kim and Dave Evange,
West Palm Beach FL


"I have been insured for my auto, home, and umbrella insurance by Orlando and his outstanding staff for several years and have always been more than pleased with their responsive service. They were able to save me money and gave me much better coverage than I have ever had before. I routinely recommend them to my friends an clients because I know they will do a good job."
Ron Desino,
Manhattan, NY


''We have been insured for our auto, home, and umbrella insurance by Orlando and his outstanding staff. They were able to save us money and give us much better coverage than we had before.''
Larry Bink,
Pleasanton, CA


''Orlando has done an excellent job with our insurance program. Because of health conditions, getting more life insurance was a problem, but their suggestions allowed me to secure affordable permanent life insurance!''
Jim Reese,
San Diego, CA


''Rogers Insurance saved me over $900 a year on my car and home insurance. More importantly, I know I can count on them when I need help. Thanks Orlando and all the RIS Staff!''
Sam Modesitt,
Lake Tahoe, CA


''With the assistance of Orlando and Jacque at Rogers Insurance we were able to receive broader coverage at a lower cost, saving us 15% per year. We would not hesitate recommending RIS Direct to our friends!''
Patty Kephart,
Malibu, CA


''Even though I have a less than perfect driving record and drive over 20,000 miles per year, RIS Direct was able to find a top-rated company to insure me - and it fit my budget. Thanks to Orlando and all the staff!''
Mat Joslin,
Walnut Creek, CA


''I've had my auto and homeowners insurance with RIS since I moved from New York, 14 years ago. I made the change from State Farm and saved money AND improved my coverage. Thank you!!''
Janet Allen,
Santa Rosa, CA


''Veronica is always great with us, that is very important to us. She always provides awesome customer service!''
Steve Legras
Sacramento


''I have always appreciated the timely service we get from Veronica and all the staff at Rogers Insurance. And the fact we're able to save money and get better protection is the icing on the cake!''
Patty Carter
Newport Beach


''Veronica Henry was wonderful!! I would recommend her to everyone. She took wonderful care of us.''
David Sadler
San Francisco


''It has been a pleasure working with Rich Dean for all my insurance needs. It is so nice of her to always leave messages on my telephone to keep me up to regarding my policy. This has been the first time I have ever had such a personal relationship with an insurance company. Lori is the best!''
Irene Bargovan
Castro Valley


''Veronica is and always will be the reason I stay with Rogers Insurance for all my insurance needs.''
Todd Kasulka
Oceanside


''Our family has been given excellent service by Rogers Insurance. Through Gary of Rogers Insurance's office, we were able to obtain the coverage we needed at reasonable rates with professional, organized and prompt service. When we had a claim, Lori was available when we needed her and our claim was resolved amazingly easily. We highly recommend Rogers Insurance.''
Thomas and Ann Broderson
El Cerrito


''I decided to make a change in my insurance. A friend gave me your name. I called Gary. He was great. I insured my car and home. I have been well pleased.''
Mary Lee Mitchell
Beverly Hills


''We have done business with Rogers Insurance for many years and have always been more than happy with the way we're treated by all of their people. Veronica is great to work with and I recommend them to everyone.''
Gary and Linda Owens
Hillsborough


''We are happy with you; you have been great for us in the handling of our personal and business insurance.''
Bob and Delia Howard
Oakland


''RIS saved us





Click Link above to get a FREE and FAST California auto quote. We represent several carriers and we can save you money!


Click Link above to obtain a California homeowners quote. We can help you with your escrow closing, and we can issue policies the SAME DAY!


Click Link above to obtain a California homeowners quote. We can help you with your escrow closing, and we can issue policies the SAME DAY!



Service to Your Account
Learn More About Our Agency
Customer Testimonials
Protecting Your Privacy
Office Map/Driving Directions


10 Reasons Why You Should Use The Services of RIS Direct!

1. We offer a complete "Satisfaction Guarantee" to every customer!

2. The best coverage at the lowest price.

3. Quick phone quotes for most products.

4. Convenient payment option offered on most policies.

5. Internet quotes returned within 24 business hours.

6. We have the complete personal insurance solution offering auto, home, and umbrella protection on every account.

7. Rates are shopped exclusively for you based on your unique insurance need.

8. Huge discounts on ALL insurance products!

9. Our experience allows us to match you with the program(s) best meets your needs.

10. We have been saving our customers money on insurance since 1994.


© 2008 Rogers Insurance


Save up to 37 % or more on umbrella insurance.

Quick Online Quote!

Click Here for an Quick Online Quote

Click Here for a free Umbrella Report (pdf)





Quick Online Quote (click coverage at left), or Call us toll free for a FAST Phone Quote:

Click Here to obtain our FREE Money-Saving Insurance Reports NOW!




Our special programs include the following:

Automobile Insurance
We specialize in auto insurance at RIS Direct. Whether you are a good driver, or a driver who has had some unlucky points or accidents, we have the markets and rates for you. Rates start at only $186.00 per six months, and if you put both your auto and homeowners insurance with us, you can receive up discounts up to 30%.
Get a Quote Now!

Homeowners Insurance
our New Home discounts are among the highest in California - sometimes up to 40% lower than most carriers. Also, if you have just purchased a home and need a policy FAST to close escrow, we can issue policies and evidence of insurance the SAME DAY. Rates start at only $350.00 per year.
Get a Quote Now!


Personal Umbrella Insurance Plans
Make sure that your assets are protected and your loved ones are cared for and protected from all potential financial hardship. Personal Umbrella programs offer additional liability coverage for $1 Million or more above your home and auto insurance. Most clients are able to purchase an umbrella policy for close to $200.00 per year!
Get a Quote Now!



RIS Direct was founded on the belief that customers deserve not only professional and courteous service, but also the lowest California insurance rates possible. And every one of our products comes with a 100% satisfaction guarantee.

To learn more about our agency and staff, feel free to click our About Us Page, and click the link following for Office Directions or a Map.

I'm Orlando Frasca, CEO of RIS Direct, Inc. I invite you to use our insurance resources. Request a free quote. Call us with questions. I have made it our goal to find you the BEST PRICES on California Insurance, and to make the process of buying your Insurance EASY.

We also provide you with many infomative FREE REPORTS so you can make informed insurance decisions. This is another way we can help you realize the value of doing business with RIS Direct.

With over a decade of experience placing insurance for California residents and business, I know you'll find our service and pricing second to none. Find out more about us and give us a call. We'll make you another satisfied member of our insurance family.


Umbrella Insurance

Today, lawsuits are everywhere. Lawyers are awarding larger amounts of money than ever. Homeowners, auto, and watercraft policies have a limit on liability insurance. If an unfortunate accident should happen that is your fault, do you have enough liability insurance from your current policies to cover your costs for negligence? Since no one can predict how much a judge may award the injured person, umbrella insurance is not just for the wealthy anymore, but a needed protection for every policyholder.
Umbrella insurance is designed to give one added liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection. This protection is designed to "kick-in" when the liability on other current policies has been exhausted.
Liability insurance is the portion of a homeowners or auto policy that pays for expenses such as the injured persons medical bills, rehabilitative therapy, and lost wages due to the negligence of the at fault person. The liability portion of an insurance policy also covers a legal defense representative if the negligence would happen to land the at fault person in the court room. After adding up all of the medical expenses for the injured and the legal fees of the negligent person, the standard liability in one's homeowners or auto policy is often not enough. Almost every state has financial responsibility laws that will hold drivers accountable for bodily injury and property damage resulting from car accidents and the at fault driver could be sued for the damage. Personal assets from the at fault driver could be seized resulting from a lawsuit. Similar laws are also in force for home and watercraft owners.
There is good news. A personal liability umbrella insurance policy can give one added liability protection without a large added cost. Additional liability insurance is often inexpensive, especially compared to the added coverage one gains. Furthermore, liability insurance covers one's non-business activities anywhere in the world. Having the added protection of a liability umbrella policy is coverage no one should go without.
Umbrella insurance can give you additional liability protection above and beyond your current insurance. Below is a list of questions typically asked and information you will need to gather in order to complete an umbrella insurance quote with your chosen insurance agent. If you have not yet read Why Every Policyholder Needs Umbrella Insurance you will want to do that first to determine your need for umbrella insurance.

Information You Will Need When Purchasing an Umbrella Policy:

  • First Name, Birth Date, Sex, Marital Status, Years Licensed, State Licensed, and Occupation of all drivers in your household.
  • Violation and Accident information for the last 5 years of all drivers in your household.
  • All the property you own including: Home, Auto, Watercraft, Recreational Vehicles (RV's), Rental Units, Land, and Motorcycles.
  • Information about your current insurance company including: Expiration Dates and Losses and Claims in the past 5 years.
  • The liability limit you are requesting which is typically 1-5 million.

Questions Typically Asked by the Insurance Agent When Purchasing an Umbrella Policy:

  • Besides your auto, do you own any other motorized vehicles like motorcycles or mopeds?
  • Do any drivers in your household have mental or physical impairments?
  • Are you in the farming business?
  • Do you have any employees at your residence?
  • Are you caring for any property that is not your own and it exceeds $1,000?
  • Are there any business activities conducted at your home or in any property that you own?
  • Do you have any non-owned business or professional endorsements on your current insurance policies?
  • Do any of your current insurance policies have reduced liability limits or exclude coverage for specific events?
  • Within the last 5 years, have you been denied insurance coverage or been canceled or not renewed?
  • Are there any drivers on your current insurance policies under the age of 25?
  • Do you own, lease, or charter an aircraft?
  • Do you use your property, vehicles, watercraft, or aircraft for business?
  • Do you have any vehicles, watercraft, aircraft, or property that is owned, hired, leased or used on a regular basis that is not covered by insurance?

Umbrella insurance refers to a liability insurance policy that protects the assets and future income of the policyholder above and beyond the standard limits on their primary policies. Umbrella Insurance is distinguished from excess insurance in that excess coverage goes into effect only when all underlying policies are totally exhausted, while umbrella is able to "drop down" to fill coverage gaps in underlying policies. Therefore, an umbrella policy can become the primary policy "on the risk" in certain situations. The term "umbrella" refers to how the policy shields the insured's assets more broadly than primary coverage.
Typically, an umbrella insurance policy is pure liability coverage over and above the coverage afforded by the regular policy, and is sold in increments of one million dollars. The term "umbrella" is used because it covers liability claims from all policies underneath it, such as auto insurance and homeowners insurance policies. For example, if the insured carries an auto insurance policy with liability limits of $500,000 and a homeowners insurance policy with a limit of $300,000, then with a million dollar umbrella, the insured's limits become in effect, $1,500,000 on an auto liability claim and $1,300,000 on a homeowners liability claim.
Umbrella insurance provides broad insurance beyond traditional home and auto. It provides additional liability coverage above the limits of homeowner's, auto, and boat insurance policies. It can also provide coverage for claims that may be excluded by the primary policies. These may include, but are not limited to:

  • False arrest
  • Libel
  • Slander
  • Invasion of privacy

Umbrella Insurance

To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by redirect.com’s vendors of  personal umbrella liability insurance.
What's Peace of Mind Worth to You?
An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you're covered.
Do You Have Enough Liability Insurance?
Imagine if your dog were to bite a neighbor's child. Or if there's an accident on your rental property. Or a fire in your condo spreads to other units. What would happen if you or a family member missed a stop sign and struck and killed a pedestrian? If any of these things happened to you, there's a good chance your current liability limits wouldn't be adequate to protect your assets—or your future earnings.
Lawsuits Are Not Limited to Your Net Worth
A lot of factors determine the amount of coverage you need. Your financial status, lifestyle, and existing coverage are all relevant, but in liability lawsuits, judgements can exceed net worth. Talk to your Safeco agent to determine what's right for you.
You May Already Qualify
To qualify for our umbrella insurance coverage, you must carry auto insurance with specified liability limits. Your home insurance, condo insurance or renter’s insurance policy must also include certain limits of liability coverage. The same applies if you own an RV, Boat or other types of watercraft.  Other conditions may apply.
Liability Insurance Starts When the Others Stop
Once the liability limits are exhausted on your home, auto, or other policy your Umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits are available.
Broad Coverages
An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you but your spouse and all family members living in your household anywhere in the world. Legal defense fees are also paid.
Savings to You
Considering the extra security and protection it provides, personal umbrella liability insurance is surprisingly reasonable. The average cost is just pennies a day.
How an umbrella policy works
An umbrella policy provides an additional layer of liability protection that can be used with any underlying policy or a policy from another insurance company, including boat, motorcycle, all-terrain vehicle and snowmobile. It kicks in when the underlying or primary policy doesn't provide sufficient liability protection.
A $1 million Umbrella policy, in most cases, is less than $200 for an annual policy.
Who could benefit from an umbrella policy?
Customers who:

  • Drive a car or let someone else use their car
  • Host dinner parties or other gatherings
  • Participate in carpools or other group activities
  • Own a home, rental properties or multiple residences
  • Have young drivers in their household
What instances use an umbrella policy?
Nearly 85% of payments on umbrella claims are related to auto accidents, and over the past 12 months, 30% of those claims involved a pedestrian, motorcycle or bicycle. Below are a few examples of recent claims, all of which required a payout of more than $1 million. That's much higher than any auto policy limits, so consider an amount of coverage that might be right for you.
  • Customer hit gas instead of brake by mistake and ran through the front of a restaurant, seriously injuring several people.
  • Customer didn't see a motorcycle and pulled out, causing the motorcyclist to hit the side of the customer's car.
  • Customer's car went off the road. The driver overcorrected, causing the vehicle to roll multiple times.
  • Customer's son was allegedly driving under the influence and hit a bicyclist.
  • Customer accidentally set a fire in his apartment which spread to other units.
What makes Rogers Insurance Umbrella Insurance Division a great choice for you?
  • Customers can select from $1 million to $20 million or more in additional liability coverage.
  • We have carriers that offer a "true" umbrella policy while many other carriers only offer an "excess" umbrella product. This means certain carriers may cover other losses that otherwise would not be paid at all such as an auto accident in another country or libel or slander.
  • Some of our umbrella products are open peril, so if it's not specifically excluded, then it's covered!
  • Customers may be eligible for a discount on their homeowners policy and/or auto policies



Rogers Insurance Services, Inc.
(RIS Direct.com)

156 Diablo Road, #210
Danville, CA 94526
Phone: 925-365-3200 / Fax: 925-226-1422
E-Mail us at: quote@RISdirect.com
California License # 0C94234                 

Common terms used to find us in the major search engines are: Insurance, auto insurance, home insurance, car insurance, house insurance, umbrella, umbrella insurance, contractor insurance , contractors insurance, business insurance, commercial insurance, apartment insurance, condo insurance, motorcycle insurance, boat insurance, jetski insurance, sea doo insurance, professional liability insurance, progressive, Hartford, Safeco, travelers, encompass, unitrin, fic, general liability, workers compensation, work comp, workmens compensation, workmens comp, business auto, commercial auto, tow truck insurance, plumber insurance, general contractor, roofer insurance, roof insurance, Allied, landscape insurance, swim pool insurance, pool contractors, roofing insurance, Keywords used to find us for umbrella insurance, personal umbrella insurance, liability insurance, excess umbrella insurance, personal liability insurance, umbrella coverage, umbrella insurance coverage, excess personal umbrella coverage