Frequently Asked Questions

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Why do I need insurance?

o Insurance helps to protect you and your family from unforeseen circumstances. No one can predict when an unfortunate event may occur, having insurance coverage will help protect and sustain you financially in the event of a loss. 

What is liability?

o Liability protects you legally from a loss. Liability is a coverage found in most insurance policies, that protects you from risk imposed by lawsuits. Liability is mandatory in most states.

What information do I need to get a quote?

o In order for us to provide you the best coverage and options, please Click Here or send us a message on the Contact Us page. We will require information like your name, address, and date of birth. 

How do I file a claim?

o We work with a multitude of carriers. If you need to file a claim please call the claims number located on your Certificate of Insurance or policy Declarations page, or visit your carrier’s website directly to file a claim.

Is car insurance mandatory?

o Yes, car insurance is mandatory in all 50 contiguous states. Primarily because drivers are responsible for any damage they may cause.

Is home insurance mandatory?

o No, most mortgage and financial lending institutions will require you to procure a homeowners policy if you are purchasing your home with a mortgage payment. There are options available for nonstandard dwelling policies. 

Also, some apartments and condominiums may require you to have a renters or condo policy to ensure that both you and their assets are protected and covered in the event of a loss. It is very important to make sure that your personal belongings are protected.

What should I insure?

o Anything that is of value and importance to you. Let us at the Brandon Bell Insurance Agency Inc. help you!