Frequently asked questions
Our Insurance Products
Whether you're changing vehicles or simply searching for better coverage this policy term, let Ham Insurance Agency, Inc. answer all your auto insurance questions. Our agents can ensure your policy meets all applicable CA requirements, while also pointing out areas where gaps in coverage may occur. We can help find your sweet spot between stronger coverage and affordable costs. You won't find a more knowledgeable, friendly source for personalized auto insurance in Sacramento.
Area drivers will quickly come to realize the value that Nationwide brings to the table. This includes everything from policy discounts to flexible billing options to the On Your Side® Claims Service. But it also includes personalized policy options and exclusive programs from Nationwide that are popular with other Sacramento drivers Ham Insurance Agency, Inc. serves. Vanishing Deductible®, for example, is a great way to reward yourself for each year you stay claims-free.
Our office address is 2210 Del Paso Rd, but no matter which Sacramento zip code you park your car in, we can offer quick estimates and sound advice. Give us a call at (916) 419-8228. With one of our agents as your guide, it doesn't need to take all day to consider your choices.
If you have recently purchased a new home after owning another for many years, you may need to review your home insurance needs. Our agents at Ham Insurance Agency, Inc. are here to help you discover new lines of coverage relevant to your needs. Your homeowners policy is going to be with you as long as you own your home, so make sure it is going to work hard to protect the things that matter most to you.
Home insurance policies are not one-size-fits-all. In fact, the wide variety of property types and many different features found inside homes require a different approach. In order to give our valued customers more personalized insurance solutions, we have chosen to team up with Nationwide, a leading provider of home policies and other insurance products. This allows us to offer more tailored policies that more closely address the particular needs facing your property and family.
An insurance policy personalized to your needs gives you better value in the long run and grants improved peace of mind. Speaking with Ham Insurance Agency, Inc. is one of the best ways of making sure that your coverage is doing all the work that you need it to. If you have questions or concerns about your coverage needs, call Ham Insurance Agency, Inc. at (916) 419-8228 or visit our office at 2210 Del Paso Rd.
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 Ham Insurance Agency, Inc. 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 Ham Insurance Agency, Inc. at (916) 419-8228 or visit us at 2210 Del Paso Rd. We will be happy to work with you to make sure your family’s financial security is always protected.
Running a business can be challenging and fun, and like nothing else you have experienced. Business insurance is one way you can safeguard the stability and continued success of your business for years to come. We at Ham Insurance Agency, Inc. work with Nationwide to provide insurance solutions for your business in Sacramento. We can help build and customize a policy developed for the unique needs of your company, and an On Your Side® Review will help identify areas of priority.
Ham Insurance Agency, Inc. has insurance options for specific industry types. For instance, we have auto parts retailer business insurance, florist business insurance, and attorneys office insurance among our many packages. If your business qualifies, a business owners policy, or BOP, gets you covered on the essentials, and then you can look at other insurance coverage options such as commercial property insurance to meet your more specific needs. These coverage options can provide peace of mind so that you can make your business all it can be. They also provide a level of customization that is necessary for many businesses because each and every one, even within the same industry, is different. All of these options are available right here in Sacramento.
Give our team at Ham Insurance Agency, Inc. a call at (916) 419-8228, or stop by our office on 2210 Del Paso Rd. We will answer any questions you have and get started on building an insurance policy for your business needs.
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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