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We help your home buyers get a quick and affordable home policy before the close of escrow!

About Bosco Morales


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As your local Farmers® agent in Orange, CA, We help your homebuyers get a quick and affordable house policy before the close of escrow. This process is straightforward and personalized to help make you smarter about insurance.

I have the knowledge and experience to help you better understand your coverage options--whether that's auto, home, renters, business insurance and more.

To get started with your quote click the button below.

Services


AUTO

What’s in your garage? There’s as many answers to that question as there are drivers. You probably chose your vehicle because it fits your lifestyle and what you care about. Your auto insurance can do the same.

I’m your local Farmers agent Bosco Crescencio Morales, and I work with individuals and families in Orange, CA. I provide my customers with the information they need to select auto coverage that reflects how they want to protect their vehicles and assets.

Let’s have a conversation about your options. Give me a call today at (714) 563-9915.

MAIN TYPES OF AUTO COVERAGE

Liability

Liability coverage helps pay the cost of injury to others and damage to their property when you’re at fault. This coverage is required by law in nearly all states.

Collision

Collision coverage helps cover the cost to repair or replace your own vehicle when you’re at fault. It covers collisions with other vehicles, objects and animals.

Comprehensive

Comprehensive coverage covers your vehicle for loss caused by things besides a collision. These include theft, vandalism, hail, fire, and animal damage. Learn more about the difference between collision and comprehensive coverageLink Opens in New Tab, and what each can specifically offer you.

SOME WAYS TO CUSTOMIZE YOUR POLICY

Towing and Roadside Service

Towing and Roadside Service provides 24/7 roadside assistance if your car is disabled and helps pay for tire changing, locksmith service and jumpstarts.

Rental Car Reimbursement

Rental Car Reimbursement covers the cost of renting a car for up to 30 days while yours is repaired.

Guaranteed Value™

Guaranteed Value™ pays you a defined, agreed-upon value if your car is a total loss.

Customized Equipment

Customized Equipment covers the cost to repair or replace aftermarket equipment like infotainment systems and custom wheels.

Collision Coverage

Collision coverage helps cover the cost to repair or replace your own vehicle when you’re at fault. It covers collisions with other vehicles, objects and animals.

Comprehensive Coverage

Comprehensive coverage covers your vehicle for loss caused by things besides a collision. These include theft, vandalism, hail, fire, and animal damage.

HOME

Your home says a lot about you and where you’re headed. It’s where life unfolds and memories are made. Perhaps you can’t imagine living anywhere else. But does your home coverage reflect what really matters to you?

I’m Bosco Crescencio Morales, and I work with individuals, families, and small businesses in Orange, CA.

As your local Farmers agent, I can help you understand your options for insuring your home and everything in it.

If you’d like to learn more about protecting your home how you want, give me a call today at (714) 563-9915.

WHAT DOES HOME INSURANCE COVER?

Dwelling

Dwelling coverage helps pays for damage to the structure itself caused by sudden, accidental events like fire, wind, lightning, falling objects and vandalism. This is the coverage most homeowners think of first when selecting insurance.

Contents

Contents coverage is just that — it covers what’s inside your home. I’m talkling about everything from furniture and electronics to pots and pans. If these items are lost or destroyed by a covered event, your policy can help pay to replace them.

Liability

The third component of your home policy is liability coverage. It helps protect you from loss in case you’re financially responsible for injury to others or damage to their property. This coverage extends beyond your home and in fact follows you anywhere in the world.

HOME INSURANCE OPTIONS

Farmers Smart Plan HomeSM

Smart Plan Home policies can make it easier for you to protect your home exactly how you want. You decide on one of three home insurance packages, and then make it your own with limits and options of your choosing:
• Standard: Gives you affordable coverage with available protection for what matters most to you
• Enhanced: Offers extended limits and replacement cost of your home’s contents and roof
• Premier: Provides guaranteed home replacement cost and the highest limits on personal property

LIFE

Who depends on your income for their wellbeing? How are you helping protect their financial futures? My name is Bosco Morales , and I work with individuals, families, and small businesses in Orange, CA. Life insurance may be one of the most important insurance coverages to consider for your family. Knowing you have the coverage you want can help you face financial fears with confidence that you're providing financial support for those you'd leave behind. I want to understand your goals and discuss options so you can select the products you want, such as term life, whole life, or universal life insurance.

Give me a call at (714) 563-9915 to discuss your life insurance needs.

WHY LIFE INSURANCE?

Mortgage Debt

Protecting your family’s home takes more than a good alarm system. For most of us, a home is the most expensive purchase we ever make, and a mortgage the biggest debt we’ll ever pay. Life insurance proceeds can help your family keep the home you worked hard for. Contact me today to help financially prepare for tomorrow.

Children

Food, clothing, vacations, education… there’s no question, raising a child is a huge financial commitment. Life insurance proceeds can help financially support those you leave behind so a personal tragedy doesn’t become a financial one. Let me help so you can evaluate your needs and choose a solution.

Future Income

Who depends on your income today, and in the future? Are you building a nest egg for your spouse? Supporting a loved one with special needs? Applying for life insurance today could help you provide them with financial support when you’re no longer here. I can help as you determine what sort of life insurance you need, and how much coverage you want.

Business

People can be a business’s biggest asset, and its biggest expense. Life insurance can help you cover your business against the loss of key employees, help fund the transfer of a business when one owner or partner dies, or help you retain valuable employees as a long-term benefit. As a business owner myself, I understand just how important planning for these issues can be.

LIFE INSURANCE OPTIONS

Term Life

The simplest type of life insurance, and usually the least expensive to start. • Provides coverage as long as you pay the premiums, typically up to age 90. • Premiums guaranteed not to change for the first 10 to 30 years of the policy, then increase annually with age. • Can be especially popular with younger families who need a lot of coverage but aren’t yet earning their peak incomes. Learn More About Term Insurance

Whole Life

Whole life insurance is designed to last as long as you do. • Coverage up to 121 years old as long as all required premiums are paid1. • Premiums never increase, from the day your policy is issued to the day premiums are no longer required at age 100. • Initial premiums are higher than term insurance, with funds accumulating within the policy as cash value. • Whole life is the most conservative type of permanent life insurance, with guaranteed level premiums, guaranteed cash value accumulation, and a guaranteed death benefit2. Learn More About Whole Life Insurance

Universal Life

Like whole life, universal life insurance offers the potential of life-long coverage, to age 121. But it allows flexibility in the timing and amount of premiums3, and allows you to adjust the death benefit amount. • You choose the amount of premium to pay, within contract limits. That payment goes into a separate account inside the policy, with the cost of the policy deducted from the account each month. Your policy stays in force as long as there’s enough value in the account to cover the deductions. • You can build more cash value by paying more premium. • When times are tough, you can reduce or even pause premium payments as long as there’s enough cash value to cover policy costs. Learn More About Universal Life Insurance

BUSINESS

I work with small businesses in Orange, CA to make sure they’re able to choose the coverage they want. My job is to help as you select commercial coverage like property, liability and workers’ compensation insurance. Whether you operate in auto service, real estate, restaurants, or another industry, Farmers agents understand your business and its unique needs. Give me a call at (714) 563-9915 to discuss how you can protect your business

LOCAL BUSINESS OWNERS ASK ME ABOUT..

Commercial Property Insurance

Protect your business with Farmers coverage for your building, equipment, inventory and operating income. Let’s have a conversation about it today.

Business Liability Insurance

You might face legal action from customer injuries, data breaches, product defects and more. Liability insurance can help you protect your business.

Workers' Compensation Insurance

Concerned about injuries, OSHA regulations, and workers’ compensation fraud? Let’s discuss how Farmers can help you protect your employees and business.

INDUSTRIES IN WHICH I SPECIALIZE

Auto Service & Repair Shop Insurance

Auto shops have challenges like equipment damage, vehicle accidents, and mistakes by technicians. Let’s discuss how you can protect your business.

Insurance for Offices

Running an office comes with risks like injury to visitors, loss of data and theft. Learn how Farmers can help as you protect your business.

Restaurant Insurance

Restaurants are vulnerable to risks like fire, theft and injury to workers. Let’s discuss Farmers coverage options so you can decide what you want.

Contact Info


ADDRESS

2230 W Chapman Ave
Ste 170
Orange, CA 92868

PHONE

Office: (714) 563-9915
Fax: (800) 420-8224


OFFICE HOURS

Monday - Friday:
8:30 AM - 5:30 PM
*Saturday only by appointment twice a month