Frequently asked questions
Our Insurance Products
Understanding the coverage you buy is important, but the language of underwriting can be a little difficult for those who are new to it. That's why Gaines Insurance Agency Inc. focuses on explaining auto insurance coverage in a common sense way that members in El Dorado Hills appreciate. That way, it's easier to enjoy your vehicle with the assurance you understand what is covered in the event of an accident.
Auto policies tend to start with liability coverage, and the right amount can depend on the vehicle you drive, the state's requirements, and other factors. Once you have the liability package you need, collision coverage is there to help take care of any covered damage your vehicle takes in the event of an accident, and comprehensive packages are there to cover you in the event of an incident when the vehicle is not in motion. Gaines Insurance Agency Inc. works with Nationwide to provide drivers with a wide range of coverage choices. After you find the right coverage levels for your vehicle, we will apply discounts you may qualify for such as for safety equipment in the vehicle or your safe driving history.
Finding out more about our policy options is easy. Our offices can be reached at (916) 773-8000, and agents are happy to take set appointments for in-person consultations at our office located at 5170 Golden Foothill Pkwy.
Owning a home can be exciting, but it also comes with additional responsibility. Making sure you are adequately protected against unplanned loss such as theft or natural disasters is an important part of being a home owner. Gaines Insurance Agency Inc. in El Dorado Hills has a variety of options to help protect your home and personal belongings in the aftermath of an unexpected incident. Some of the coverage types that we offer include replacement cost plus, sewer backup, Brand New Belongings®, Valuables Plus®, and personal liability. We understand that insurance needs vary from one person to another, so we will help you customize a plan to meet your specific situation.
Understanding your policy is also important so that you know exactly what is covered. Along with figuring out the best protection for you, Gaines Insurance Agency Inc. will also go over your covered losses, deductible, coverage limits, and any other pertinent information. Our personal touch also continues once you are a member. We will walk you through the claims process if you ever need it and do what we can to help get your life back to normal as quickly as possible.
Contact Gaines Insurance Agency Inc. to discuss your home insurance solutions as well as any money saving discounts that you may be qualified for. You can schedule an appointment for a complimentary consultation at our office, conveniently located at 5170 Golden Foothill Pkwy. You can also give us a call at (916) 773-8000 to speak with a qualified agent and either sign up for a policy over the phone or ask any questions you may have.
At Gaines Insurance Agency Inc., we want to make customers aware of how easy and affordable life insurance is. We know many people in El Dorado Hills think they cannot afford to have a good policy that protects their financial interests. That is why we work with Nationwide to provide customers with the diverse coverage options they need to sleep peacefully at night.
Affordability is a major concern for most. In addition to choosing coverage based on what you can afford, you need to think about how you or your loved ones may need to use your policy proceeds. Maybe you’ll need to replace lost income or pay for long-term care expenses and your kids’ college education. These issues may not completely encompass your current concerns. However, keeping them in mind will help you discern the proper coverage level for your situation.
There are circumstances where customers find it more beneficial for them to layer several term life insurance policies instead of purchasing whole life insurance to give them long-term financial security.
By speaking with a life insurance agent who works with Nationwide, you can gain a better understanding of options that are ideal for your situation. The amount of coverage you need can help you meet your current and future financial goals.
To better understand coverage options, we encourage you to contact Gaines Insurance Agency Inc. at (916) 773-8000 to arrange a time to meet in office at 5170 Golden Foothill Pkwy to discuss your needs. For additional convenience, our agents are ready to help you go over coverage options over the phone.
In unpredictable economic circumstances, it can be good to have something you can depend on. Business owners know they can count on the exceptional protection and customer service provided by Nationwide. Gaines Insurance Agency Inc. has provided leading Nationwide business insurance solutions to entrepreneurs in El Dorado Hills for many years. Our experience helping local business owners and Nationwide's experience developing comprehensive coverage solutions especially for commercial clients makes Gaines Insurance Agency Inc. the perfect choice as a policy provider.
Some business insurance policies are designed to fit all customers but may not account for industry, organization size, and other essential factors. Nationwide does things differently. We can customize a policy to suit the needs of your organization so that you have the most meaningful forms of coverage. This is a great way to protect your current assets and your future operations.
Thinking proactively about your company's changing insurance needs is very important. In fact, many business owners may be unaware that their insurance policy needs changing or updating at any point. You might be paying for coverage that is no longer relevant or continuing to renew a policy that is not providing the protection your company actually requires. Gaines Insurance Agency Inc. can help address these problems. Call our 5170 Golden Foothill Pkwy office at (916) 773-8000.
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 Gaines Insurance Agency Inc. also offers products in CA. Please call for information on products in those states.
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