Frequently asked questions
Our Insurance Products
Taking the time to understand auto insurance concepts, like the difference between "collision" and "comprehensive" coverage, can be frustrating when you are trying to shop on your own and you just want to know what kind of protection you will get. That's why Garland Sturges & Quirk Insurance prioritizes communication with clients, so our agents can translate industry terms into coverage explanations that leave drivers in Beaver Falls feeling confident they have exactly the coverage they need.
Starting with basic liability insurance and adding features until you have a personalized plan to address your needs means understanding the differences between drivers, car styles, and vehicles in different stages of their operating life. Garland Sturges & Quirk Insurance works with Nationwide to construct policies that meet your needs with options like comprehensive coverage against damage while parked or even robbery.
If you have questions about coverage options and policies, talk to one of our agents by calling us at (408) 227-9991. You can get answers, make a purchase over the phone, or schedule an in-person consultation meeting with Garland Sturges & Quirk Insurance in our office at 3150 Almaden Expy.
Garland Sturges & Quirk Insurance can help you shop for one of the most important products you'll ever buy - the home insurance policy that will protect your home assets. Learn from our San Jose agents what types of damages to include in your coverage and what claim amounts make sense for your property. For as tightly knit as San Jose neighborhoods are, no two households are exactly the same, even within 95118.
For this reason, Nationwide offers a number of different home insurance products for more personalized coverage. Dwelling coverage, for example, offers financial protection for floor coverings and built-in appliances. Contents coverage includes assets like furniture, clothing, and a few other essential belongings. Valuables Plus® covers specific types of high-value items that you may keep in your San Jose home. Or you can even take advantage of Nationwide's exclusive Brand New Belongings® program.
Best of all, there's no reason to feel overwhelmed by any of these decisions. Let Garland Sturges & Quirk Insurance walk you through the options and clearly explain your policy choices. Simply give us a call at (408) 227-9991. Or, if you're in the 95118 area during office hours, swing by our San Jose location at 3150 Almaden Expy, and we can discuss your home insurance options in person.
Life is full of uncertainties. Your family’s financial well-being shouldn’t be one of them. As you shop for life insurance in San Jose, 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?"
Garland Sturges & Quirk Insurance and Garland Sturges & Quirk Insurance 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 (408) 227-9991 for an appointment with an agent. Feel free to stop by 3150 Almaden Expy,San Jose,CA,95118 to discuss Nationwide coverage options in person.
At Garland Sturges & Quirk Insurance, we've become experts in assessing the challenges and opportunities that come with managing a business in various industries, locations, and personnel throughout 95118. This expertise is part of the job we love doing so much - serving as knowledgeable risk management advisors to local San Jose companies. From commercial property and auto to general liability and more specialized products, let us review the various Nationwide coverage options with you.
Often, a business owner's policy is the way to go for San Jose companies with different types of commercial risk, as this type of policy offers combined coverage and customized solutions. The experts at Garland Sturges & Quirk Insurance can help develop one of these policies for your company. We can also help you understand what's at stake, regardless of whether you're looking for a targeted risk management product or a policy with multiple layers of coverage.
Garland Sturges & Quirk Insurance is ready to protect what you've worked so hard to build and better position your company for future growth. Moreover, we know that companies can't successfully pursue their long-term goals without taking care of their day-to-day operations. The flexible billing options available from Nationwide should help find the right fit with your budget schedule. Call us at (408) 227-9991 to set up your policy or to make an appointment to talk about your coverage in person. Our office is located at 3150 Almaden Expy.
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 Garland Sturges & Quirk Insurance also offers products in AZ. Please call for information on products in those states.
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