Frequently asked questions
Our Insurance Products
Insurance is designed to give you the peace of mind you need to enjoy your assets without worry, and auto insurance should be no different. That's why Divide Insurance Agency works with you to build a personalized insurance plan, so members can be sure they are getting the policy that fits their driving style, vehicle value, and level of activity on the roads of Placerville.
Knowing whether or not your vehicle would benefit from comprehensive coverage, which takes care of incidents that happen when it is not being driven, means knowing where it fits into your portfolio of assets, what your budget looks like, and how it is likely to affect your resale value Divide Insurance Agency understands this. That's why options are available that include basic liability protection, collision coverage, or multiple tiers of comprehensive protection, so you have what you need. That's also why we offer Nationwide policies, which have a variety of discount options for drivers based on the safety features on their vehicle and their driving records.
If you have questions about auto insurance policies for your vehicle, or if you want to make a purchase over the phone, get in touch with Divide Insurance Agency at (916) 961-0553. You can also make an appointment for a face to face meeting at our offices at 50 Main St.
At Divide Insurance Agency we understand that you want insurance coverage for your home in Placerville without any hassle. Your house and belongings have both economic and emotional value and our agency is here to help you choose insurance that offers both security and peace of mind. In the event of a covered loss, you can rest easy knowing we are here to help. Your coverage needs depend largely on the specifics of your property, such as swimming pools and outbuildings. We can help you asses your insurance requirements and choose a policy that offers the coverage you need.
Divide Insurance Agency has joined with Nationwide to provide you with a variety of sensible home insurance options, including customized coverage programs such as Brand New Belongings®. With this program, you'll receive the cash value of your possessions as well as coverage for any additional funds it takes to replace or repair them. If you enjoy hosting large group gatherings, we can help you determine whether you need additional coverage in case of an accident or injury to one of your guests. Whether your situation requires additional specialized insurance or is more traditional, we can help you find the coverage you need.
To find out more information regarding the programs that are right for you, call (916) 961-0553 today. Our experienced agents can help meet your needs with a customized insurance package, possible discounts, and hassle-free service. We can even help you choose and purchase a policy over the phone. Call today, or stop by our office at 50 Main St.
Life is full of uncertainties. Your family’s financial well-being shouldn’t be one of them. As you shop for life insurance in Placerville, 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?"
Divide 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 (916) 961-0553 for an appointment with an agent. Feel free to stop by 50 Main St to discuss Nationwide coverage options in person.
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 Divide Insurance Agency in Placerville, 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, Divide Insurance Agency is available to walk you through your options. You can call our office at (916) 961-0553 to set up an appointment or speak with an agent over the phone. You can also visit our office at 50 Main 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 Divide Insurance Agency also offers products in CA. Please call for information on products in those states.
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