Frequently asked questions
Our Insurance Products
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 James Downs Insurance Agency. We work with Nationwide to bring you excellent service and coverage in Apache Junction.
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 James Downs Insurance Agency or another experienced agent a call today at (480) 982-5540. Drivers can discuss options over the phone or in person at 185 N Apache Trl.
Having the right amount of home insurance coverage can offer a great deal of peace of mind. At James Downs Insurance Agency we are here to help you understand and choose policies that are just right for your property, structures, and possessions. The first step in being properly insured is to assess the details. James Downs Insurance Agency or another of our experienced agents will discuss your Apache Junction home and valuables so that you get the coverage you need. We offer several specialized products to aid members with swimming pools, detached garages, additional buildings, and high-value items.
We understand that your house is not only one of your most valuable possessions, it's also the place you call home. Protecting the value of your important belongings in case of theft, fire, or other unfortunate circumstances is an essential element of coverage. Our relationship with Nationwide allows us to offer you additional policies, such as Brand New Belongings®, which may help to replace or repair your covered belongings. In the event of a loss, we are with you through the claims process and are here to help you get your home back to normal as quickly as possible.
Contact James Downs Insurance Agency or another one of our qualified team members for more information about coverage for your specific situation. We can even help you choose a policy over the phone. Give us a call today at (480) 982-5540 for more information or to schedule an appointment. You can also stop by our office, located at 185 N Apache Trl.
When you’re ready to purchase life insurance, it helps if you start off by choosing a good life insurance agent in Apache Junction. 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 James Downs Insurance Agency, 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 185 N Apache Trl,Apache Junction,AZ,85120 to speak with James Downs Insurance Agency. You can also contact them directly by dialing (480) 982-5540.
Owning your own business can be exciting and challenging at the same time. Making sure that your assets are properly protected is an important part of being a responsible and successful business owner, and we at James Downs Insurance Agency in Apache Junction can help you determine the types of coverage that you need. We know that every company has its own risks, and we make it simple by offering coverage that is specific to each industry such as retail, professional, auto service, food and beverage, contracting, distributing, and specialized services. You can also add on additional solutions for your specific risk strategies.
Some business owners choose our business owners policy (BOP), which is a convenient package that includes general liability coverage, property insurance, coverage against theft and fraud, income loss coverage due to an interruption, and more. If you choose this package, James Downs Insurance Agency will sit down with you and ask specific questions so that the coverage is customized to your business. We will also help figure out if you need any other options to fill in coverage gaps so that you are adequately protected.
As your business grows, we will be there to make recommendations on your policy whether it is to add additional coverage, change your limits, or increase your umbrella amounts. We will also help in the event that you need to file a claim. We can be reached at (480) 982-5540 to answer any of your questions or to sign up for a policy. You can also stop into our office, conveniently located at 185 N Apache Trl, during business hours to speak with one of our agents in person.
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.
The James Downs Insurance Agency also offers products in AZ. Please call for information on products in those states.
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