Frequently asked questions
Our Insurance Products
Taking the time to understand auto insurance concepts, like the difference between "collision" and "comprehensive" coverage, can be frustrating when you are trying to shop on your own and you just want to know what kind of protection you will get. That's why Hometown Insurance Services, Inc. prioritizes communication with clients, so our agents can translate industry terms into coverage explanations that leave drivers in Beaver Falls feeling confident they have exactly the coverage they need.
Starting with basic liability insurance and adding features until you have a personalized plan to address your needs means understanding the differences between drivers, car styles, and vehicles in different stages of their operating life. Hometown Insurance Services, Inc. works with Nationwide to construct policies that meet your needs with options like comprehensive coverage against damage while parked or even robbery.
If you have questions about coverage options and policies, talk to one of our agents by calling us at (805) 695-5050. You can get answers, make a purchase over the phone, or schedule an in-person consultation meeting with Hometown Insurance Services, Inc. in our office at 5739 Hollister Ave.
If you have recently purchased a new home after owning another for many years, you may need to review your home insurance needs. Our agents at Hometown Insurance Services, Inc. are here to help you discover new lines of coverage relevant to your needs. Hometown Insurance Services, Inc. excels in assisting homeowners with every concern. Your homeowners policy is going to be with you as long as you own your home, so make sure it is going to work hard to protect the things that matter most to you.
Home insurance policies are not one-size-fits-all. In fact, the wide variety of property types and many different features found inside homes require a different approach. In order to give our valued customers more personalized insurance solutions, we have chosen to team up with Nationwide, a leading provider of home policies and other insurance products. This allows us to offer more tailored policies that more closely address the particular needs facing your property and family.
An insurance policy personalized to your needs gives you better value in the long run and grants improved peace of mind. Speaking with Hometown Insurance Services, Inc. is one of the best ways of making sure that your coverage is doing all the work that you need it to. If you have questions or concerns about your coverage needs, call Hometown Insurance Services, Inc. at (805) 695-5050 or visit our office at 5739 Hollister Ave.
If you have children, a spouse or anyone in your life who depends upon you financially, you need life insurance. The same holds true if you depend upon someone else financially. Life is unpredictable but it is within your power to minimize or even eliminate the financial impact of unexpected life events.
We at Hometown Insurance Services, Inc. are here to help people like you in the Goleta area. We are here to answer your questions and make life insurance understandable. We will explain term versus permanent insurance and we will outline the types of life insurance that may be best for you.
When determining the amount of coverage you need, you should consider both your present and future circumstances. What are your current financial needs and what do you expect to be the future financial needs for your family?
You should factor in your current age, income and debts and the likely financial impact of lost income. You should also consider final expenses as well as future educational needs for your children and even for yourself or your spouse. If you are a one-income household, you should be sure to purchase a policy that will cover that income in its entirety if lost.
Life gets hectic; make sure you are not too busy to take care of yourself and your family. Call us now at (805) 695-5050 and ask for Hometown Insurance Services, Inc.. We are located at 5739 Hollister Ave,Goleta,CA,93117 and you are welcome to stop in any time. Let us help you find the right policy to assure your family’s financial security.
Exponential growth is an important goal of many business owners, and can also be a sign of success. Accelerating your operation to that breakthrough point takes planning and solid management. Knowing how to assess risk and how to cover it so that you smooth over challenges on the way to attaining that success is key, and Hometown Insurance Services, Inc. understands that and works with Nationwide to bring you an adaptable and complete small business coverage in Goleta.
The first step in planning out the right coverage is understanding the unique features of your company, including its size and assets as well as the basic risk factors involved in the industries you operate within. An On Your Side® Review by Hometown Insurance Services, Inc. is designed to do this. They reveal both the basic policies and the extended options that you need to make sure you have the right coverage, from accounts receivable insurance to product liability coverage for any goods you manufacture.
To get things started, Hometown Insurance Services, Inc. recommends a business owner's policy, which is the closest available option to comprehensive coverage. From there, other coverages for important properties and assets can be worked out according to whether or not the plan already provides for them. Getting the process started is easy. Just call (805) 695-5050 to make an appointment for a consultation at 5739 Hollister Ave. You can also get your questions answered and buy policies over the phone, so if you know what you need, get in touch with an agent today.
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 Hometown Insurance Services, Inc. also offers products in AZ. Please call for information on products in those states.
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