About Ham Insurance Agency, Inc.
- Human Services
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. Ham Insurance Agency, Inc. 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.
Ham Insurance Agency, Inc. 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) 419-8228. Or, call to schedule an appointment at our office at 2210 Del Paso Rd.
Homeowners insurance is a crucial part of owning and protecting a home. That's why the Ham Insurance Agency, Inc. has worked so diligently to understand the insurance priorities of 95834 homeowners and their residential properties. In fact, the exact location of your home may mean your home's risk profile is slightly different from that of your Sacramento neighbors' right down the street. No matter the specifics, Nationwide has coverage that's right for your Sacramento home, and our agents can help further personalize your homeowner's policy.
How so? Beyond the location, the property itself often has very different kinds of assets that can be protected through home insurance coverage. The structure and dwelling coverage are the backbone of most policies, but Ham Insurance Agency, Inc. offers plenty of additional coverage options through Nationwide. These options cover things like a detached garage or other buildings, contents and valuables, or even a number of exclusive coverage programs like Better Roof Replacement®. Plus, if the time ever comes when one or more of our homeowners need to return a home to its former glory, the Nationwide On Your Side® Claims Service offers extra peace of mind.
Our office is located at 2210 Del Paso Rd. But our home insurance expertise extends throughout the greater Sacramento area. Call the Ham Insurance Agency, Inc. at (916) 419-8228 to get our take on the best way to protect against potential homeowner damages.
At Ham Insurance Agency, Inc., we want to make customers aware of how easy and affordable life insurance is. We know many people in Sacramento think they cannot afford to have a good policy that protects their financial interests. That is why we work with Nationwide to provide customers with the diverse coverage options they need to sleep peacefully at night.
Affordability is a major concern for most. In addition to choosing coverage based on what you can afford, you need to think about how you or your loved ones may need to use your policy proceeds. Maybe you’ll need to replace lost income or pay for long-term care expenses and your kids’ college education. These issues may not completely encompass your current concerns. However, keeping them in mind will help you discern the proper coverage level for your situation.
There are circumstances where customers find it more beneficial for them to layer several term life insurance policies instead of purchasing whole life insurance to give them long-term financial security.
By speaking with a life insurance agent who works with Nationwide, you can gain a better understanding of options that are ideal for your situation. The amount of coverage you need can help you meet your current and future financial goals.
To better understand coverage options, we encourage you to contact Ham Insurance Agency, Inc. at (916) 419-8228 to arrange a time to meet in office at 2210 Del Paso Rd,Sacramento,CA,95834 to discuss your needs. For additional convenience, our agents are ready to help you go over coverage options over the phone.
Even if you're opening a new business and money is tight, having some type of business insurance is crucial. Ham Insurance Agency, Inc. in Sacramento offers a variety of protective solutions such as property insurance, general liability, and commercial auto. While a basic plan may cover you for awhile, we will review your business needs on a regular basis and make recommendations as you expand and add on employees. Some supplemental options that you may be interested in as your company grows include workers compensation, cyber liability, business income coverage in case of an interruption, accounts receivable, equipment breakdown, and protection against theft, forgery, and fraud.
We pride ourselves in offering customizable policies to fit every business's needs, which is why we will ask you a number of different questions. Ham Insurance Agency, Inc. will discuss the location of your business, how you operate your company, if you have any employees, the stability of your business, and what you expect for future revenues. Depending on your particular situation, you may also be asked about contractual agreements, specific employee information, prior loss details, and building details. Our goal is to make sure you are properly protected against loss without adding a financial strain to your bottom line.
Insurance lingo can be a bit confusing, so we will always go over your policy and make sure that you understand what everything means and exactly what is covered if you need to file a claim. You can make an appointment in our office, which is located at 2210 Del Paso Rd, or you can speak with us over the phone at (916) 419-8228.
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 Ham Insurance Agency, Inc. also offers products in CA. Please call for information on products in those states.
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