Cal E Litts in Scotia, NY

The Cal E Litts in Scotia, NY provides the following products. To learn more about each insurance product, click on the links below.

• Car Insurance

  Many terms associated with auto insurance can be confusing. For example, what does "comprehensive car insurance" mean? You will get answers to questions and much more when talking about your insurance needs with Cal E Litts. We work with Nationwide to bring you excellent service and coverage in Scotia.
  
  Most states require the purchase of liability coverage. This coverage protects you when you become legally liable for damage to another auto or someone else's injuries from a car accident. Comprehensive coverage provides additional protection for your vehicle from loss due to theft, fire, hail, and other factors. Other offerings include Medical Payments or Personal Injury Protection coverage, and features such as Roadside Assistance.
  
  Give Cal E Litts or another experienced agent a call today at (518) 372-4155. Drivers can discuss options over the phone or in person at 324 Mohawk Ave.

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• Home Insurance

  As a responsible home owner, it is important that you have suitable protection against unexpected loss. There are a number of factors that will determine what types of coverage you may need. Whether you live in a severe weather-prone area, you have a pool, or you have a detached garage, Nationwide can provide the policies to fit your needs. At Cal E Litts in Scotia, we work with Nationwide. This means that we take the time to ask the right questions to make sure that you have adequate coverage to protect your home and personal belongings.
  
  Some may think that having basic coverage will cover all losses, but this is not the case. Cal E Litts will go over optional solutions such as other structures coverage, personal umbrella, and earthquake coverage. We also strive to make insurance as affordable as possible and will go over discounts that you may qualify for, such as if your home has a fire or burglary alarm.
  
  Along with explaining your coverage in detail, we will also be available to help you out in the event you have to file a claim. If you're not exactly sure what your policy should include, we will help you out. Call our office at (518) 372-4155 to speak with a qualified agent or set up an appointment. You can also stop by our office at 324 Mohawk Ave for a complimentary consultation to discuss your insurance needs.

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• Life Insurance

  When you’re ready to purchase life insurance, it helps if you start off by choosing a good life insurance agent in Scotia. Whether you already have a policy and are looking to update coverage for yourself or you’re ready to start a family and want to learn coverage options, you’ll need an agent that is as good as the insurer they represent. At Cal E Litts, our agents work hard to provide customers with the service and coverage options they need to strengthen their families’ financial security and help them enjoy peace of mind.
  
  There are many types of life insurance for you to consider as you determine what your financial security needs are. A good agent’s assistance is invaluable. They can help you understand confusing industry jargon. They can also educate you about different coverage options to enable you to make well-informed decisions that provide your family with enough death benefit to keep them financially comfortable in the event of your untimely death. Think about if you live longer than expected. As you grow older, you and your family’s financial needs will change, especially if you require long-term care. Do not leave anything to chance and unexpected circumstance. Think about your current financial obligations, how much you can afford for premiums and future financial goals.
  
  If you’re not sure how to get the coverage you need or are not sure if your current policy is enough, feel free to stop by 324 Mohawk Ave, Scotia, NY, 12302 to speak with Cal E Litts. You can also contact them directly by dialing (518) 372-4155.
  
  
  LAW-0243AO (05/18)

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• Business Insurance

  You know that you need to have business insurance to protect your company, yet understanding the exact types of coverage your company requires is another matter. You're right when you assume that it's impossible to predict every potential risk that your company may face. At the same time, however, you can't allow that uncertainty to leave you exposed to the potential of a major loss. Fortunately, we here at Cal E Litts may have the comprehensive insurance solution that you've been searching for to keep you protected in almost every situation.
  
  We work with Nationwide to offer a businessowners policy (BOP) to qualifying businesses that is as close to complete and total insurance coverage that you can find in Scotia. A BOP is essentially a suite of separate coverages designed to protect you from liability exposures. A basic BOP includes protection against property damage and general liability concerns, as well as business income reimbursement (which can pay you should you have to temporarily cease your operations due to a covered cause). You can also build onto your BOP by adding auto insurance coverage and protection against equipment damage or professional and cyber liability concerns.
  
  With a BOP from Nationwide, you don't have to spend time worrying about unanticipated and unpreventable risks your company may face. As Cal E Litts can attest to, such coverage serves as a veritable security blanket for you and your business. Setting up a BOP won't take much time. Simply call us at (518) 372-4155 to set up a time to stop by our office on 324 Mohawk Ave, and we'll get you well on your way to enjoying comprehensive business insurance protection in no time at all.
  
  Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

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The Cal E Litts also offers products in NY. Please call for information on products in those states.