Frequently asked questions
Our Insurance Products
Don't let confusing terminology keep you from driving with quality insurance. If you have questions about your protection, then S. J. Frerichs & Son Insurance Agency is here to help. At S. J. Frerichs & Son Insurance Agency, we work with Nationwide to provide you with personalized automobile insurance solutions. No matter where you are in life, we will make sure you get the coverage that is right for you.
With Nationwide's On Your Side Review®, you leave our office knowing you have the right coverage for the drivers and vehicles in your household. For example, when an accident happens, having uninsured and underinsured coverage options could help in case the other party cannot pay for the damages caused. You can also get our roadside assistance and rental reimbursement insurance to get you back on the road faster after an accident. We will work with you to ensure any discounts you qualify for are applied to lower the impact insurance has on your budget. There are discounts for good drivers, good students, and even for ecofriendly practices like our paperless billing plan. If you are driving in Tracy, know that we will always be there when you need us.
Come in today and talk to S. J. Frerichs & Son Insurance Agency. You can visit us at 28 W 10th St or call in advance at (209) 835-1764 to schedule an appointment. We welcome any questions you may have, so do not hold back. Our goal is to provide you with affordable and understandable vehicle protection.
As a responsible home owner, it is important that you have suitable protection against unexpected loss. There are a number of factors that will determine what types of coverage you may need. Whether you live in a severe weather-prone area, you have a pool, or you have a detached garage, Nationwide can provide the policies to fit your needs. At S. J. Frerichs & Son Insurance Agency in Tracy, we work with Nationwide. This means that we take the time to ask the right questions to make sure that you have adequate coverage to protect your home and personal belongings.
Some may think that having basic coverage will cover all losses, but this is not the case. S. J. Frerichs & Son Insurance Agency will go over optional solutions such as other structures coverage, personal umbrella, and earthquake coverage. We also strive to make insurance as affordable as possible and will go over discounts that you may qualify for, such as if your home has a fire or burglary alarm.
Along with explaining your coverage in detail, we will also be available to help you out in the event you have to file a claim. If you're not exactly sure what your policy should include, we will help you out. Call our office at (209) 835-1764 to speak with a qualified agent or set up an appointment. You can also stop by our office at 28 W 10th St for a complimentary consultation to discuss your insurance needs.
Life is full of uncertainties. Your family’s financial well-being shouldn’t be one of them. As you shop for life insurance in Tracy, 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?"
S. J. Frerichs & Son Insurance Agency and S. J. Frerichs & Son Insurance Agency 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 (209) 835-1764 for an appointment with an agent. Feel free to stop by 28 W 10th St,Tracy,CA,95376 to discuss Nationwide coverage options in person.
We all strive to be at our very best at every possible moment to fulfill our own individual obligations and meet the needs of those around us. Yet there will be times when factors outside of our control present risks. Perhaps in no other facet of life is this more true than in business. As a small business owner, your effort in building your company needs to be protected by a sound insurance plan. We at S. J. Frerichs & Son Insurance Agency would be happy to provide you with that.
Thanks to our association with Nationwide, all of the core coverage elements needed to build the right business insurance policy in Tracy are right at your fingertips. You can start with basic options such as commercial property and business liability insurance, and then supplement that with business auto coverage. Then, depending upon the unique aspects of your company, you can choose to add extra coverage such as crime insurance, cyber liability protection, workers' compensation, and added financial security through accounts receivable and business interruption insurance. Not sure how much insurance you'll need? Choose instead to go with a businessowners policy, which offers a wide range of coverages designed to provide a convenient package.
Building the ideal small business insurance plan can be easy if you have the right help in doing it. S. J. Frerichs & Son Insurance Agency is here to help. We look forward to discussing all of the business insurance benefits that Nationwide has to offer. To learn more about covering your company through Nationwide, stop by and speak to us at our office on 28 W 10th St, or call and schedule an appointment at (209) 835-1764.
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 S. J. Frerichs & Son Insurance Agency also offers products in AZ. Please call for information on products in those states.
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