Frequently asked questions
Our Insurance Products
Understanding car insurance does not have to be a hassle. At Larry Fu Insurance Agency we believe protecting your vehicle should be simple. Larry Fu Insurance Agency and Nationwide have come together in Alameda to provide you with quality insurance at an affordable price. The protection we provide is meant to reduce your stress and decrease the time it takes to get you safely back on the road after an accident.
When an accident happens, we are there to help. This includes helping you find the best repair shop near you so you can get your life back on track as quickly as possible. All the repair shops in Nationwide's network have been pre-screened and pre-qualified for the highest level of service. Part of your membership is knowing how your vehicle is protected. This is part of Nationwide's On Your Side® Review, a process where we will answer any questions you may have and review your coverages to make sure you have the right protection for your needs. All new members receive the same great service we have provided to our members for many years.
Because we're local to your area, getting the right protection for your vehicle is easy. Larry Fu Insurance Agency is conveniently located in Alameda to better serve you and find the right protection for your car. Come visit us at 1801 Grand St.
You've already personalized your home, now it's time to personalize your home insurance coverage. Larry Fu Insurance Agency is your local resource for navigating the world of home insurance, and we have teamed up with Nationwide to offer you a variety of coverage options. Your home is unique, and so is Alameda, which means your home insurance should reflect that uniqueness. We can help you determine the best coverage for your home.
However, it's not just the physical aspect of your home. While detached additions like pools and gazebos are important to your coverage, your personal belongings and memorabilia also need protection. You've filled your home with items unique to your life, from family heirlooms to hand-picked works of art. Depending on the age and price of your belongings, Brand New Belongings® coverage may be right for you. This package may help to replace or repair your covered belongings.
Larry Fu Insurance Agency is ready to help you figure out your personalized home insurance solution. You can visit our office at 1801 Grand St or call us at (510) 268-0888. We will take the time to explain all your options as well as unique coverage concerns based on living in Alameda, and we'll make sure you know about available discounts you may qualify for.
Life is full of uncertainties. Your family’s financial well-being shouldn’t be one of them. As you shop for life insurance in Alameda, you likely have many questions running through your mind:
• “What are the benefits of term vs. permanent policies?”
• “How much coverage do I need?“
• “How much does a life insurance policy cost?"
Larry Fu Insurance Agency can help you find the right policy to protect your legacy and provide financial security for your loved ones when you are no longer living.
There are a variety of factors you must consider to determine the amount of coverage you need. First, estimate the amount of debt, final expenses and other financial obligations you might leave behind. Also, think about your income and how the loss of it will affect your family. You want a policy that has a death benefit that covers those costs and leaves a financial cushion.
Next, decide what kind of policy you want. There are several types of life insurance available. Base your decision on what you can comfortably afford and your current and future financial goals.
Finally, carefully review all policy documents. A life insurance agent can provide clarity on any information or policy language you do not understand. If you have special considerations, do not hesitate to inform one of our team members.
Insurance is a smart investment. Getting the right policy is easier than you think. Call (510) 268-0888 for an appointment with an agent. Feel free to stop by 1801 Grand St to discuss Nationwide coverage options in person.
You don't have to go it alone when it comes to finding the perfect business insurance policy for your company. Nationwide works with Larry Fu Insurance Agency in order to help you find the best policy that not only meets your business needs, but also your budget. From start to finish, we walk you through the entire process.
What type of business do you operate? This is just one of the questions that we ask when structuring a policy with you to meet your needs. During your consultation, we discuss the type of business you run, your operating costs, and how many employees you have. We also determine how much profit you bring in and if any laws govern the type of insurance you must carry for your company. We use all of this information to show you which policies would protect your business, which are optional, and which you may not need. We also discuss how much coverage you need and whether you would benefit from any specialized policies such as cyber liability insurance or employment practices liability coverage.
Once you select your plan, you can rest assured we continue to work for you. In fact, using Nationwide's On Your Side® Review, we meet with you annually to discuss any changes in your business and determine if you would benefit from changes in your insurance coverage. If you are interested in learning more about customized policies for your small business in Alameda, schedule a consultation appointment today. Visit us at 1801 Grand St or call us at (510) 268-0888.
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 Larry Fu Insurance Agency also offers products in CA. Please call for information on products in those states.
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