Frequently asked questions
Our Insurance Products
Insurance is all about bringing you peace of mind by protecting your assets. That's why it's important for your coverage to meet your needs, especially for something you depend on like your vehicle. Lmr Insurance Services understands this, which is why our agents work with Nationwide to provide auto insurance coverage that is easily personalized to fit your needs in Sacramento.
Lmr Insurance Services builds policies with both you and your vehicle in mind, customizing the types and levels of coverage to fit. This means helping you understand how you could benefit from comprehensive coverage that protects your vehicle, even when it's not in use. It also means helping you understand how much property and injury liability you need, and what level of collision coverage will help you most in the event of an accident. Members also have the opportunity to take advantage of Nationwide's discounts for which they may qualify, such as for vehicle safety features or safe driver habits.
To learn more about our policies, or to buy one, contact our offices at (916) 717-0097. Or, call to schedule an appointment at our office at 3550 Watt Ave.
Congratulations on becoming a proud Sacramento homeowner! With all of the energy and resources you spent searching for and bidding on your home, Lmr Insurance Services knows the last thing you want to do is spend hours finding a viable insurance plan to protect your investment. With our help, along with the knowledgeable folks at Nationwide, safeguarding your home and all of your belongings can be a smooth process.
Insurance is one of life's many little necessities, and a requirement in some cases, but it's best that you take your insurance needs seriously, because we certainly do. Our goal is to provide you with all of the information you need to be sure that your home is protected if something unexpected occurs. Lmr Insurance Services can talk you through determining the value of your belongings which can help you avoid underinsuring yourself. We also make sure your customized plan is explained to help you understand which risks are and are not covered by your plan, and you'll be well-educated on how your deductibles work. When members come to us, we want them to leave feeling as if they know more about insurance than we do.
If your home is currently in construction, or even if you're just thinking about buying a home, we'd love to have the opportunity to chat with you about your options and any discounts for which you may qualify. Whenever you're ready, pick up the phone and dial us up at (916) 717-0097 or visit us at 3550 Watt Ave.
Bringing home a new baby, like many of life’s happy events, also brings on new responsibilities. New obligations can be more easily shouldered if you take steps now to plan ahead. In order to provide long-term financial security for your family, you need a Sacramento life insurance agent who can help you understand the types of life insurance that best suit your family’s needs.
The agents at Lmr Insurance Services will help you safeguard your family’s future by helping you select the right life insurance. We will explain term versus permanent insurance and answer all your questions. We are here to help you assess your needs and will explain the difference between whole life insurance and universal life insurance.
Our agency will help you determine the appropriate level of coverage for you and your family. There are several considerations when deciding the amount of coverage you need. Besides funeral and burial costs, you should consider current debts such as your mortgage, car loans and credit card debt.
You may also want to include child care and long-term educational expenses when figuring coverage amount. Whether your family has one or two sources of income, you should think about covering lost income for a specified number of years. We will also help you determine the number of years for which you need coverage.
Whether you have a new baby on the way, or you brought your baby home several months ago, now is the time to plan for life’s eventualities. Call Lmr Insurance Services at (916) 717-0097 or visit us at 3550 Watt Ave. We will be happy to work with you to make sure your family’s financial security is always protected.
When you are a business owner, stability is likely one of your top priorities. We at Lmr Insurance Services understand this, which is why we teamed up with Nationwide, a company with an excellent history of insuring businesses. We want to make sure that your business has the basic coverage it needs as well as any additional coverage to fit the nuances of your situation. No business is exactly alike, and you'll want to consider factors such as your business location, how the business is run, and your target customers or clients when you assess insurance options.
If you are unsure how or where to start, Lmr Insurance Services may recommend that you select a businessowners policy (BOP). It combines property insurance, liability insurance, and other types of insurance coverage. After that, you can look at other insurance coverage options such as business interruption insurance, which can help keep your business going financially in situations such as vandalism or extreme weather. Other coverage types that may interest you include utility interruption, employment practices, and accounts receivable. We also have insurance solutions customized toward specific business types in Sacramento such as dry cleaners, real estate, and plumbing.
Take advantage of an On Your Side® Review to determine the insurance coverage needs of your business. We will assess your business and give you information on what you may want to cover. Give us a call today at (916) 717-0097 or stop by our Lmr Insurance Services office on 3550 Watt Ave.
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 Lmr Insurance Services also offers products in CA. Please call for information on products in those states.
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