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 Ted Hamm Insurance Agency focuses on explaining auto insurance coverage in a common sense way that members in Paso Robles 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. Ted Hamm Insurance Agency 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 (805) 238-1818, and agents are happy to take set appointments for in-person consultations at our office located at 1503 Park St.
Home is where your family builds memories on a daily basis, and we know that one of your top priorities is to protect it with sound insurance coverage. After all, we're talking about financial security, which can mean peace of mind. You can depend on the professionals at Ted Hamm Insurance Agency in Paso Robles to help. We'll walk you through the various options and take the mystery out of acquiring appropriate home insurance.
Basic home insurance coverage includes protection against events such as theft, or damage from the elements. That means that if Paso Robles is hit with a major storm system, you are able to protect your family without worrying about paying more for destruction that may be caused. In addition to dwelling coverage that insures against damage to built-in appliances and wall-to-wall carpeting, insurance is also available for water backup caused by sewer or drain issues. You may also want to have detached structures insured, such as your garage or gazebo. Additionally, contents coverage helps to protect your belongings such as furniture and clothing from loss, and this can be defined in your policy.
There are several other options, and Ted Hamm Insurance Agency with Ted Hamm Insurance Agency proudly works with Nationwide to offer excellent choices in home insurance coverage. You can get the conversation started with a call to (805) 238-1818. You can also stop by our office at 1503 Park St to learn more about the many advantages of protecting your home with a policy that's tailored to your needs.
Whenever you have any major change in your life, you should reassess your insurance needs. Marriage is one such occasion. Along with wedded bliss come new concerns and new responsibilities. You should take steps now to make sure that you and your spouse’s financial needs will be fully taken care of should the worst happen.
We at Ted Hamm Insurance Agency are here to help newlyweds in the Paso Robles area. We will answer all your life insurance questions and explain in easy language term versus permanent insurance. After speaking with us, you will have a complete understanding of both whole life insurance and universal life insurance and you will know which options are best for you.
In order to properly assess your coverage needs, you and your spouse will need to consider things such as your age, current income, current debt, number (if any) of dependent children, likely future income levels, final expenses and the impact of a loss of income. We will help you determine the amount and length of coverage that is optimal for your circumstances.
After marriage, life gets busy. You should make sure, however that you are not too busy to take action now to assure a financially-secure future for yourself or your spouse years down the road. Life is uncertain but you can help take the uncertainty out of your financial future by making wise choices now.
Call us at (805) 238-1818 and ask for Ted Hamm Insurance Agency. If you are in the neighborhood, we welcome you and your spouse to stop by our office at 1503 Park St,Paso Robles,CA,93446. It may be the most important date of your life.
Small business owners have a lot on their mind. In addition to preparing for each day's operations, they have to think about the unexpected circumstances that might arise. Even the best planner cannot foresee everything that a business might encounter within a single day of operation, let alone several years. This is where Nationwide and Ted Hamm Insurance Agency step in. Choosing an agency connected with Nationwide's comprehensive network of agents and service providers gives business owners access to the resources required to plan for tomorrow.
In many ways, running a successful business can depend on making the right choices at the right time. Selecting a good business insurance policy early in your company's life helps make sure that coverage goes to work as soon as you do and continues providing protection each and every day. Our team has helped business owners secure ongoing insurance coverage for small businesses and growing organizations alike. Getting the right kind of protection today will help your company function smoothly.
As a company grows, its insurance needs may change. If you have concerns about the nature of your coverage, come in and speak with an agent at Ted Hamm Insurance Agency or call (805) 238-1818. Our offices are located at 1503 Park 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 Ted Hamm Insurance Agency also offers products in AZ. Please call for information on products in those states.
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