Frequently Asked Questions

• Why have a personal agent?

  There are a number of insurance companiees springing up that use direct mail or "800" phone numbers to gain business. But did you ever think about waht you lose when this happens (no personal insurance agent?)

  • The knowledge and professionalism of our agency to make sure you get the best coverages suited to your needs at an economic price.

  • The stability of the companies that we represent and our agencies 16 years in El Dorado County.

  • The variety of hundreds of options and discounts.

  • A local agent can come to your assistance quickly and personally in the event of a catastrophe or other claims situation.

  • With having a persoanl agent your claim will be processed in a fast effective manner.

  • The "Personal Touch" you will receive when we work closely with you to provide you with the best service and coverages available.

• Does your agency offer any type of occupational discounts?

  • YES! We have discounts for many different occupational groups. Please contact our agency for more details.

• Should I have an umbrella policy?

  • With an umbrella policy you can protect everything for which you've worked so hard. In today's society no one is exempt from large liability losses. Let's face it, people are growing more willing to sue every day. the bottom line is, it can happen to you!

• Should I have all of my lines of insurance with one agent?

  • YES! We can get you as many discounts as possible this way; and make it easy for your family to deal with their insurance needs.

• Do you have 24 hour claims service?

  • No matter when you call us, you will have the availability to talk to a Customer Service Representative.

• Can I get an evening or weekend appointment for my insurance needs?

  • YES! Please call in advance to schedule an appointment.

• Do I need mortgage insurance?

  • Studies show that 19 out of 100 hom owners will die before they can pay off their 30 year mortgage.

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