The need for auto, homeowners and business insurance is largely dictated by government regulations or banks and other third-party lenders, for automobile liability insurance, workers compensation, etc. or for property insurance, i.e., coverage on auto loans, mortgage on your home or business, etc. Generally speaking, the coverage required is going to cover mandated minimum limits up to full replacement value based on your policy and the limits elected. For instance, auto liability limits in many states can be as low as $15,000 per person & $30,000 per incident for personal injury and $5,000 for damage to personal property. These limits can vary from state to state. The coverage required by mortgage lenders is designed to cover their loan and/or the actual replacement cost of the home or business loss.
The questions you need to ask yourself are:
This is where we come into the picture by helping you evaluate your current coverage.
Through our affiliation with Jed Miner & Associates Insurance Services, Inc, (CA Insurance License #O55450 & #OH30269), we are affiliated with multiple companies in AZ, CA, ID, MT, NV, OR, UT & WA. Our nine divisions enable us to address your various needs in larger metropolitan areas like Los Angeles, San Francisco, San Diego, Las Vegas, Salt Lake, Boise, Eugene, Seattle, Phoenix, Portland, or Missoula as well as smaller rural areas, etc. Knowing and understanding your current coverage can help us find the best coverage which fits your needs and budget.
We would appreciate your consideration in allowing us to help you improve your coverage and/or save money while adequately insuring your interests. You can contact us by phone or text to 208-634-3069, by fax to 208-634-3613 or by email to Stanley Dean, CLU.