Frequently asked questions
Our Insurance Products
Understanding the language of insurance policies can be difficult, which is why Hometown Insurance Services, Inc. focuses on being your guide to coverage whenever you ask for a quote on a new auto insurance policy. Whether you are looking to keep coverage on an older vehicle or you want to make sure your new purchase is fully protected, there are a variety of coverage options offered by Hometown Insurance Services, Inc. to fit any driver's needs in Santa Maria.
Liability coverage is the first and most basic kind required by most states, but your optimum level of coverage and your state's minimum requirements might be quite different. It all depends on your individual needs starting with the vehicle you drive. Agents at Hometown Insurance Services, Inc. understand this, and part of the process of finding the right policy for each driver is finding the right combination of features. That means not only taking care of basic liability but also assessing your needs for collision insurance protection and comprehensive coverage to provide drivers with peace of mind even when the vehicle is parked.
To ask questions about coverage or to talk to Hometown Insurance Services, Inc. about other discounts you might qualify for, give our offices a call at (805) 922-3351. We are also able to make appointments for face to face consultations at our office located at 2255 S Broadway. Whether you want to know more about prices and coverage levels or you're ready to move forward with a purchase, our agency is ready to help with your auto insurance questions.
Need help understanding what's required by your home lender? Or how you can best protect your home's property value including the dwelling, other property structures, and the belongings inside the home? Let Hometown Insurance Services, Inc. make sure you don't miss that crucial detail about your homeowner's policy. Along with their general expertise of Santa Maria home insurance, our agents will listen carefully to your questions and concerns. From there, it's a straightforward process to find the policy coverage that makes the most sense for your home and your loved ones.
Everything from the age of the home to the age of the homeowner can mean new ways to save on your Santa Maria home insurance. There are also exclusive Nationwide benefits programs, like Brand New Belongings® and Better Roof Replacement®>. These programs will make it easier to move forward should a covered damage occur. In the meantime, they offer extra peace of mind.
You probably didn't build the house on your own, and nor should you have to wade through the details of a home insurance policy by yourself either. Let Hometown Insurance Services, Inc. demystify the process and help you understand how a policy protects you from covered damages. When it comes to something this important, you don't want to stay in the dark. Give us a call at (805) 922-3351 to discuss your policy. Or schedule an appointment with our office at 2255 S Broadway to talk about your concerns in person with Hometown Insurance Services, Inc. and our staff today.
If you have children, a spouse or anyone in your life who depends upon you financially, you need life insurance. The same holds true if you depend upon someone else financially. Life is unpredictable but it is within your power to minimize or even eliminate the financial impact of unexpected life events.
We at Hometown Insurance Services, Inc. are here to help people like you in the Santa Maria area. We are here to answer your questions and make life insurance understandable. We will explain term versus permanent insurance and we will outline the types of life insurance that may be best for you.
When determining the amount of coverage you need, you should consider both your present and future circumstances. What are your current financial needs and what do you expect to be the future financial needs for your family?
You should factor in your current age, income and debts and the likely financial impact of lost income. You should also consider final expenses as well as future educational needs for your children and even for yourself or your spouse. If you are a one-income household, you should be sure to purchase a policy that will cover that income in its entirety if lost.
Life gets hectic; make sure you are not too busy to take care of yourself and your family. Call us now at (805) 922-3351 and ask for Hometown Insurance Services, Inc.. We are located at 2255 S Broadway,Santa Maria,CA,93454 and you are welcome to stop in any time. Let us help you find the right policy to assure your family’s financial security.
Like most business owners, you probably know pretty much everything about your business. Still, you may have lingering questions about your commercial insurance needs. The Hometown Insurance Services, Inc. can fill the gaps in your knowledge of Santa Maria business insurance, just as we can recognize and fill gaps in your policy coverage.
Maybe you have questions about a business owner's policy or industry-specific coverage programs available from Nationwide. Maybe you have questions about different commercial insurance products including liability, property, and employee coverage. But no matter your concerns, you want to know that your business's past success has been safeguarded, while also putting your company in a great position for future growth.
In addition to their great insurance products, the Hometown Insurance Services, Inc. also partners with Nationwide for superior account services. For example, whether you need to respond to changes in state law or local markets, don't underestimate the value of the Nationwide's On Your Side® Reviews. Let us explain how dependable customer service and flexible billing options make for stronger protection for your Santa Maria company. Give us a call at (805) 922-3351 so we can start discussing your business's insurance needs. We can also set up a time to talk in person at our local office. We're located at 2255 S Broadway.
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 Hometown Insurance Services, Inc. also offers products in AZ. Please call for information on products in those states.
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