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Do I Really Need

                                                  Do I Really Need
                                                  Renter Insurance?

Yes, If you rent a home, condo or apartment. In fact, many rental agreement require
you to purchase renters insurance for coverage not offered by your landlord’s
policy. More importantly, renter insurance will cover your possessions in the event
they are stolen, destroyed or if a visitor is accidentally hurt at your resident.

Your peace of mind and financial protection are just a call away. Call your Agent
for a quote today!! It’s easy, affordable and only takes a few minutes.

Protection offered by our policy
Renter Policy
* Personal property
* Liability & Medical payment
* Additional Living Living Expense
* Compliance with yourRental Agreement

Protect yourself and your personal belongings with the best coverage, service and
saving.
Call our trusted agent for a free quote !!!!!!

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Saving Money Starts at Home

Protection starts at home
With a variety of homeowners coverage options, you can feel safe knowing your home
and those who live there are protected when you insure .

The right coverage for you
When you are insured with  Home insurance  you’re not only getting one of America’s most trusted
insurance providers, you’re also getting your own dedicated agent, who will work
with you to create a custom plan just for you. And that’s important when you have
so many coverage choices and options. Here are a few that we offer.*

Dwelling Protection:
Covers damage to your home due to fire, lightening, smoke, storm damage or other
similar perils.
Personal Property:
Provides coverage for your household items in the event of a fire, theft or other
covered loss.
Extended Replacement Cost:
Provides additional coverage up to 150% of the dwelling’s policy limits to rebuild
your home in the event you suffer a covered loss.
Additional Living Expenses:
Provides coverage for living expenses if your home becomes uninhabitable as a result
of a covered loss.
Personal Liability Protection:
Pays for bodily injury or property damage caused to others as a result of a covered
incident.
Guest Medical Protection:
Pays medical expenses for your guests who are accidentally injured on your property.
Identity Theft Protection:
Pays for expenses you incur as a result of criminal identity theft.
Additional personal property coverage for valuables, such as antiques, fine art and
jewelry
*Coverage(s) may be subject to certain restrictions and limitations and may not be
available in all states. Ask your local independent agent for more information.

Uncover discounts for extra savings
Everybody loves to save money, so we also offer a variety of discounts that can you
save even more off  already low rates. Take a look at these:

Protective Devices Discount
You can receive discounts for smoke alarms, deadbolts, burglar alarms and more.
Fire-Resistant Construction Materials;
Newer Home;
Gated Community; and
Selecting a higher deductible.
*Discounts may vary by state.

Go multi-policy
Make sure you ask your local agent about our AUTO+HOME discount. You could save
hundreds of dollars a year when you insure both your auto and your home.

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Captive vs. independent Insurance Agent

Captive vs. independent Insurance Agent

 

How to choose: captive vs. independent insurance agents

Many people consult an insurance agent or broker for their  needs, and for good reason: agents can help you navigate the complicated world of insurance and help you get thecar insurance best deal.

But did you know that there are different kinds of insurance agents and brokers — and the one you choose can make a big difference in the type of service you get and the choices you’re offered? Here’s the difference:

Captive agents represent just one insurance company. As part of their business agreement, they offer only that company’s products, services, and coverages.

Independent agents and brokers offer products from different companies. Often, they can offer more choices and savings because they can review multiple options to find the right mix of companies, coverages, and rates for you.

Because they represent many different insurance companies, independent agents can allow you to shop around with competing carriers and get you the best deal. So rather than spending hours gathering quotes from various companies, you can get it done with one simple call or visit to your independent agent or broker.

To learn more, talk

Another plus to working with an independent agent or broker is their ability to offer guidance for all your ,vehicle insurance needs. In some cases bundling your car, motorcycle, boat, and/or RV policies together can save you big bucks. Leading car insurer Progressive offers multivehicle discounts, so don’t leave out any of your cars or other “toys” when getting your insurannce quote.

to your local independent insurance agent.

Auto Insurance

Auto Insurance.

Five questions that can save you money on car insurance

When it comes to car insurance, there are a number of ways to reduce your premium. And in today’s tough economic times, every little bit helps.

Asking your local independent agent the right questions can mean big savings. Leading car insurer Progressive recommends asking these five questions:

Can I save by shopping around? Car insurance rates can vary by hundreds of dollars between carriers, so check the rates of several companies to make sure you’re getting the best deal. Last year, people who switched to Progressive and saved reported saving an average of $550 on their annual premium. And because an independent agent represents several companies, he or she can quickly and easily compare rates for you.

Am I carrying the right amount of coverage? Owners of older or inexpensive cars could consider dropping Comprehensive and Collision coverages. Doing that can save hundreds of dollars each year.

Is my policy up to date? If you’ve moved, gotten married, or bought a home, check with your agent – you may be eligible for lower rates.

Should I raise my deductible? According to the Insurance Information Institute, raising your deductibles to $500 could reduce your Collision and Comprehensive costs by 15 to 30 percent.

Do I qualify for any discounts? Ask your agent if your carrier offers reduced premiums for certain car features like anti-lock brakes. You might also be eligible for discounts if you pay in full, own a home, are a loyal customer, have no recent tickets or accidents, sign up for paperless billing, list another car on your policy, and more.

http://www.cheeksinsurance.com

Life Insurance

It’s comforting to know your final expenses are covered. Why leave your loved ones with a financial burden as well as a loss? A life insurance policy can help provide the thousands of dollars usually needed to cover the cost of funeral services and burial. For more information visit www.cheeksinsurance.com

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