Personal Insurance FAQs

Frequently Asked Questions

What are the advantages to using an agent to purchase insurance?

By using an independent insurance agent to purchase insurance, the policyholder receives more personal service. With an insurance agent, we get to know you as a person, a family, and a complete picture of all of your needs.  Are all of those needs addressed comprehensively.  Each policy or coverage is a snapshot of who you are and what you have to be protected from financial or physical events.  When you place coverages with multiple insurance carriers direct, are you looking at your entire financial picture.  At Valek Insurance, what we do, we work for you not the insurance companies. 

What are some practical things I can do to lower my auto and home insurance rates?

The easiest thing to do is ask us to get quotes from several companies for you. It is not uncommon to find quotes on auto insurance and homeowners insurance that can vary by hundreds of dollars for the same coverage. Be sure to ask us about discount plans when combining policies. Another easy way to lower costs is to increase your deductible. This by itself can sometimes save betwwen 5 to 10% on your premiums.

Why would I want to buy renters insurance?

If you live in an apartment or a rented house, renters insurance provides important coverage for both you and your possessions. A standard renter’s policy protects your personal property in many cases of theft or damage and may pay for temporary living expenses if your rental is damaged. It can also shield you from personal liability. Anyone who leases a house or apartment should consider this type of coverage.

How do I know if I need a personal umbrella liability policy?

It is commonly thought that only wealthy people need personal umbrella liability policies given their sizable amounts of personal assets. Even individuals with modest incomes and assets are often subjects of lawsuits. Many people recognize their need to have greater coverage limits and will purchase an umbrella insurance policy for complete protection.