Frequently asked questions
Our Insurance Products
If you've recently bought a brand new or new-to-you vehicle in Fremont, you'll want an all-encompassing auto insurance plan that protects your new investment. Richard C Frank Lutcf specializes in supplying local drivers with personalized auto coverage that gives you peace of mind. Let us give you the confidence that comes with knowing you and your vehicle are in the very best of care.
Richard C Frank Lutcf gets to know you and your driving habits before recommending a superior protection plan backed by Nationwide. The features of your vehicle, how often you drive, where you park your vehicle at night, and your driving record, among other factors, all influence your premium. We take each of those factors into consideration before recommending a plan that fits your needs. If you do have to file a claim, we'll make sure the process is quick and simple so that you can have your vehicle repaired as quickly as possible and get back to enjoying the open road. For those times when repairs will take several days, we recommend that you opt for rental reimbursement coverage so that you don't spend more than necessary to maintain your regular driving habits.
Even if you haven't yet bought your vehicle, it's never too early to start thinking about auto coverage or the right company to provide you with that coverage. Whenever you're ready, call (419) 332-8481 to speak with an agency representative to discuss your coverage needs. You can also stop by and see us at 814 W State St.
When you do business with Richard C Frank Lutcf, you deal with people who are adept at finding policies fitted to your needs and budget. There are several factors that should be considered when obtaining the right protection for your home in Fremont, including your ownership of a pool (or lack thereof) and the overall cost to rebuild your home. If you possess a large number of valuable assets such as jewelry or fine art, the protection offered by Valuables Plus® is a great choice and is something to discuss with your agent.
At Richard C Frank Lutcf, we work together with Nationwide to bring you the best possible choices for your home insurance. We provide you with a selection experience that is smooth and intuitive so that you can get on with your daily life without additional stress. If you ever come home to find that you are a victim of a covered loss, we have what it takes to pick up the pieces. If you frequently experience severe weather conditions in your area, we can also help you find solutions for damage that may be caused by these storms.
Speak with one of our agents today to get started on finding a hassle-free plan. If you would like to meet with someone in person, come to our office at 814 W State St. Or call us at (419) 332-8481.
Getting married, purchasing a new home, or starting a family are all exciting experiences. However, these life events often mean bigger financial obligations. Your increased financial obligations can be a good impetus to taking the necessary step to assure your family’s financial security. Your home is a place of security and pride; be sure to protect your standard of living.
We at Richard C Frank Lutcf proudly work with residents in the Fremont area. We want to make sure you have the type and amount of coverage you need so that you and your family are prepared for any eventuality. We will explain in understandable language term versus permanent insurance and we will discuss the types of life insurance that can best fit your needs.
The amount of coverage your family needs is largely determined by factors such as age, income, debt, number of dependents, long-term educational needs, monthly expenses, long-term goals and desired length of coverage. We will explain in easily-understandable terms whole life insurance and universal life insurance and why you may want permanent insurance.
As you enjoy the now, don’t forget to protect your family’s future. Life insurance gives you the peace of mind that comes with preparing for life’s uncertainties. Call Richard C Frank Lutcf at (419) 332-8481. We can assess your coverage needs and answer all your questions. If you are in the neighborhood, stop by any time. We are located at 814 W State St. We look forward to seeing you.
When you are a business owner, stability is likely one of your top priorities. We at Richard C Frank Lutcf understand this, which is why we teamed up with Nationwide, a company with an excellent history of insuring businesses. We want to make sure that your business has the basic coverage it needs as well as any additional coverage to fit the nuances of your situation. No business is exactly alike, and you'll want to consider factors such as your business location, how the business is run, and your target customers or clients when you assess insurance options.
If you are unsure how or where to start, Richard C Frank Lutcf may recommend that you select a businessowners policy (BOP). It combines property insurance, liability insurance, and other types of insurance coverage. After that, you can look at other insurance coverage options such as business interruption insurance, which can help keep your business going financially in situations such as vandalism or extreme weather. Other coverage types that may interest you include utility interruption, employment practices, and accounts receivable. We also have insurance solutions customized toward specific business types in Fremont such as dry cleaners, real estate, and plumbing.
Take advantage of an On Your Side® Review to determine the insurance coverage needs of your business. We will assess your business and give you information on what you may want to cover. Give us a call today at (419) 332-8481 or stop by our Richard C Frank Lutcf office on 814 W State St.
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 Richard C Frank Lutcf also offers products in MI. Please call for information on products in those states.
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