Frequently asked questions
Our Insurance Products
Understanding the language of insurance policies can be difficult, which is why River Valley Insurance Associates Inc. focuses on being your guide to coverage whenever you ask for a quote on a new auto insurance policy. Whether you are looking to keep coverage on an older vehicle or you want to make sure your new purchase is fully protected, there are a variety of coverage options offered by River Valley Insurance Associates Inc. to fit any driver's needs in Lodi.
Liability coverage is the first and most basic kind required by most states, but your optimum level of coverage and your state's minimum requirements might be quite different. It all depends on your individual needs starting with the vehicle you drive. Agents at River Valley Insurance Associates Inc. understand this, and part of the process of finding the right policy for each driver is finding the right combination of features. That means not only taking care of basic liability but also assessing your needs for collision insurance protection and comprehensive coverage to provide drivers with peace of mind even when the vehicle is parked.
To ask questions about coverage or to talk to River Valley Insurance Associates Inc. about other discounts you might qualify for, give our offices a call at (209) 224-5270. We are also able to make appointments for face to face consultations at our office located at 1030 S Hutchins St. Whether you want to know more about prices and coverage levels or you're ready to move forward with a purchase, our agency is ready to help with your auto insurance questions.
Need help understanding what's required by your home lender? Or how you can best protect your home's property value including the dwelling, other property structures, and the belongings inside the home? Let River Valley Insurance Associates Inc. make sure you don't miss that crucial detail about your homeowner's policy. Along with their general expertise of Lodi home insurance, our agents will listen carefully to your questions and concerns. From there, it's a straightforward process to find the policy coverage that makes the most sense for your home and your loved ones.
Everything from the age of the home to the age of the homeowner can mean new ways to save on your Lodi home insurance. There are also exclusive Nationwide benefits programs, like Brand New Belongings® and Better Roof Replacement®>. These programs will make it easier to move forward should a covered damage occur. In the meantime, they offer extra peace of mind.
You probably didn't build the house on your own, and nor should you have to wade through the details of a home insurance policy by yourself either. Let River Valley Insurance Associates Inc. demystify the process and help you understand how a policy protects you from covered damages. When it comes to something this important, you don't want to stay in the dark. Give us a call at (209) 224-5270 to discuss your policy. Or schedule an appointment with our office at 1030 S Hutchins St to talk about your concerns in person with River Valley Insurance Associates Inc. and our staff today.
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 River Valley Insurance Associates Inc. are here to help people like you in the Lodi 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 (209) 224-5270 and ask for River Valley Insurance Associates Inc.. We are located at 1030 S Hutchins St,Lodi,CA,95240 and you are welcome to stop in any time. Let us help you find the right policy to assure your family’s financial security.
As a business owner you have a lot of responsibility. One of your priorities should be to make sure that you are properly protected in the event of a loss. At River Valley Insurance Associates Inc. in Lodi, we understand that every company has its own unique risks and coverage needs. That is why we go over your business in detail including if you own or rent your building, the number and types of employees you have, and the nature of your business. We then recommend a custom plan to make sure you are protected against a variety of different risks.
While some companies may offer a one-size-fits-all policy, we have several options that you can choose from. For example, if your employees will be driving company vehicles or their own for business purposes it is important to have commercial auto coverage. If your business depends on computers and equipment for daily operation, you may want to have protection against equipment breakdown. You also may need extra liability protection, such as umbrella insurance, in order to protect you when accidents happen. To make things easy, many business owners choose our business owners policy (BOP), which packages important coverages together.
When you are ready to protect your company, River Valley Insurance Associates Inc. is available to walk you through your options. You can call our office at (209) 224-5270 to set up an appointment or speak with an agent over the phone. You can also visit our office at 1030 S Hutchins St.
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 River Valley Insurance Associates Inc. also offers products in AZ. Please call for information on products in those states.
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