About Cal E. Litts, CPCU
Our Insurance Products
Many terms associated with auto insurance can be confusing. For example, what does "comprehensive car insurance" mean? You will get answers to questions and much more when talking about your insurance needs with Cal E. Litts, CPCU. We work with Nationwide to bring you excellent service and coverage in Scotia.
Most states require the purchase of liability coverage. This coverage protects you when you become legally liable for damage to another auto or someone else's injuries from a car accident. Comprehensive coverage provides additional protection for your vehicle from loss due to theft, fire, hail, and other factors. Other offerings include Medical Payments or Personal Injury Protection coverage, and features such as Roadside Assistance.
Give Cal E. Litts, CPCU or another experienced agent a call today at (518) 372-4155. Drivers can discuss options over the phone or in person at 324 Mohawk Ave.
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 Cal E. Litts, CPCU in Scotia, 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. Cal E. Litts, CPCU 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 (518) 372-4155 to speak with a qualified agent or set up an appointment. You can also stop by our office at 324 Mohawk Ave for a complimentary consultation to discuss your insurance needs.
When you’re ready to purchase life insurance, it helps if you start off by choosing a good life insurance agent in Scotia. Whether you already have a policy and are looking to update coverage for yourself or you’re ready to start a family and want to learn coverage options, you’ll need an agent that is as good as the insurer they represent. At Cal E. Litts, CPCU, our agents work hard to provide customers with the service and coverage options they need to strengthen their families’ financial security and help them enjoy peace of mind.
There are many types of life insurance for you to consider as you determine what your financial security needs are. A good agent’s assistance is invaluable. They can help you understand confusing industry jargon. They can also educate you about different coverage options to enable you to make well-informed decisions that provide your family with enough death benefit to keep them financially comfortable in the event of your untimely death. Think about if you live longer than expected. As you grow older, you and your family’s financial needs will change, especially if you require long-term care. Do not leave anything to chance and unexpected circumstance. Think about your current financial obligations, how much you can afford for premiums and future financial goals.
If you’re not sure how to get the coverage you need or are not sure if your current policy is enough, feel free to stop by 324 Mohawk Ave, Scotia, NY, 12302 to speak with Cal E. Litts, CPCU. You can also contact them directly by dialing (518) 372-4155.
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 Cal E. Litts, CPCU work with Nationwide to provide insurance solutions for your business in Scotia. 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.
Cal E. Litts, CPCU 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 Scotia.
Give our team at Cal E. Litts, CPCU a call at (518) 372-4155, or stop by our office on 324 Mohawk Ave. 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 Cal E. Litts, CPCU also offers products in NY. Please call for information on products in those states.
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