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Frequently Asked Questions

What are the benefits of using an insurance agency?

An insurance agency functions as a middleman between insurance companies and clients, ensuring a smooth transaction and effective communication. They also analyze clients' unique circumstances to determine their insurance requirements accurately and move forward to assist clients throughout the process of purchasing insurance policies, from initial consultation to policy issuance. If you are looking for an insurance agency to begin working with, you can contact our team at Reliable and Trusted Insurance for a free quote today.

What types of insurance can I get from using an insurance agency?

Reliable and Trusted Insurance offers home, life, and auto insurance. Home insurance protects homes and their contents against damage or loss caused by various perils. Life insurance offers financial protection to beneficiaries in the event of the policyholder’s death, providing a lump sum payment or regular income. Auto insurance provides coverage for vehicles, including cars, motorcycles, and commercial vehicles.

How are insurance premiums determined?

Insurance premiums are the regular payments made by policyholders to maintain their insurance coverage. Insurance agencies consider various factors when determining insurance premiums, including:

  • Risk assessment: Insurance agencies assess the level of risk associated with insuring an individual or entity. Factors such as age, health, driving history, and claims history may impact premium calculations.

  • Coverage type and limits: The type and amount of coverage selected by the policyholder influence the premium. Higher coverage limits or additional endorsements may result in higher premiums.

  • Underwriting guidelines: Insurance companies provide underwriting guidelines that outline the criteria used to assess risk and calculate premiums. Insurance agencies adhere to these guidelines when determining premiums.

To get an estimate on your insurance premium, text or call (603) 479-8258 for a free quote!

How can an insurance agency help with claims?

When a policyholder experiences a covered loss or damage, an insurance agency plays a crucial role in facilitating the claims process. Here's how an insurance agency can assist with claims:

  • Claim submission: Insurance agencies guide policyholders through the process of submitting a claim, ensuring that all necessary documentation is completed accurately and promptly.

  • Communication with the insurer: Insurance agencies act as a liaison between the policyholder and the insurance company, relaying information, answering questions, and providing updates on the claim's progress.

  • Claims advocacy: In case of disputes or challenges during the claims process, insurance agencies advocate for their clients' interests, working to resolve issues and ensure a fair settlement.


What are the benefits of life insurance?

Life insurance is a financial contract between an individual and an insurance company. It provides a lump-sum payment, known as a death benefit, to the designated beneficiaries upon the insured person's death. Here are three important pieces of information regarding life insurance:

  • Protection for loved ones: Life insurance ensures that your loved ones are financially protected in the event of your passing. It can help replace lost income, cover funeral expenses, pay off debts, and even fund future educational needs for your children.

  • Peace of mind: Knowing that your family will be taken care of financially can provide you with peace of mind. Life insurance acts as a safety net, offering reassurance that your loved ones will have financial stability during a challenging time.

  • Legacy planning: Life insurance can also serve as a tool for leaving a legacy. By naming a charitable organization as a beneficiary or setting up a trust, you can continue supporting causes that are important to you even after you're gone.

Can I change my life insurance policy?

Yes, you can make changes to your life insurance policy in certain situations. Here are three important considerations:

  • Policy provisions: Review your policy documents to understand the flexibility it offers. Some policies may allow you to increase or decrease coverage, change beneficiaries, or add optional riders. However, specific terms and conditions will vary depending on the insurance company and policy type.

  • Life events: Life changes, such as getting married, having children, or starting a business, may require adjustments to your life insurance coverage. It's important to regularly evaluate your policy to ensure it aligns with your current needs and goals.

  • Policy review: Periodically review your life insurance policy, ideally once a year, to assess whether it still meets your objectives. If necessary, consult with a financial advisor or insurance professional to discuss potential changes and ensure your coverage remains adequate.

Remember, life insurance is a long-term commitment, and it's essential to choose a policy that aligns with your financial goals and provides the necessary protection for your loved ones. If you have specific questions or concerns, it's always recommended to seek guidance from a qualified insurance professional.


What is home insurance and why do I need it?

Home insurance is a type of insurance coverage that protects your home and its contents against various risks and perils. It provides financial protection in case of damage to your property due to events such as fire, theft, vandalism, or natural disasters. Here are three important things to know about home insurance:

  • Home Protection: Home insurance offers coverage for your dwelling, which includes the physical structure of your home, as well as any attached structures like garages or sheds. This coverage helps repair or rebuild your home in case it gets damaged or destroyed.

  • Personal Belongings Coverage: In addition to the structure of your home, home insurance also provides coverage for your personal belongings such as furniture, appliances, electronics, and clothing. If your belongings are stolen or damaged due to covered events, your insurance policy can help replace them.

  • Liability Protection: Home insurance includes liability coverage, which protects you in case someone gets injured on your property and files a lawsuit against you. It can help cover legal expenses, medical bills, and damages awarded by the court, providing you with financial peace of mind.

Text or call (603)479-8258 for a free home insurance quote and to learn more about how a home insurance policy can benefit you.

Can I customize my home insurance coverage?

Yes, many insurance providers offer the flexibility to customize your home insurance coverage to suit your specific needs. Some common options for customizing your home insurance policy are additional coverage, increased limits, and endorsements or riders. You can add extra coverage options to your policy based on your requirements. For example, you may choose to include coverage for earthquakes, floods, or sewer backups, depending on the risks in your area. If you have high-value items such as jewelry, artwork, or collectibles, you can opt for increased limits to ensure they are adequately protected. This allows you to have higher coverage limits specifically tailored to your valuable possessions. Endorsements and riders are add-ons to your policy that provide specialized coverage. They can include coverage for home businesses, home offices, or specific high-value items that may require additional protection.

Remember to consult with your insurance provider to understand the available customization options and select the ones that best meet your needs. Contact Reliable and Trusted Insurance at (603)479-8258 to learn how we can customize your home insurance.

What types of coverage does auto insurance provide?

Auto insurance typically provides different types of coverage to protect against various risks. Some common types of coverage include liability coverage, collision coverage, and comprehensive coverage. Liability coverage pays for bodily injury and property damage to others. Collision coverage pays for damage caused by a collision with another vehicle or object. Comprehensive coverage pays for damage resulting from non-collision incidents.

How are auto insurance premiums calculated?

Auto insurance premiums are determined by various factors that help insurers assess the risk associated with insuring a particular driver. Some common factors that affect premium calculations include:

  • Driving Record: Drivers with a clean driving record often pay lower premiums, as they are considered less risky.

  • Vehicle Type: The make, model, and age of the vehicle can influence premiums. Expensive or high-performance vehicles may have higher premiums due to the higher cost of repairs or increased theft risk.

  • Coverage and Deductibles: The type and level of coverage selected, as well as the deductible amount, can impact premiums. Higher coverage limits and lower deductibles usually result in higher premiums.

To learn more specifically what your auto insurance premium may be, text or call (603) 479-8258 for a free quote from Reliable and Trusted Insurance.

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