Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. What are your hours?
  2. What is your fax number?
  3. What is your phone number?
  4. What types of insurance do you sell?
  5. What companies do you represent?
  6. Do you speak Spanish?
  7. How long does it take to get a quote?
  8. What forms of payment do you accept?
  9. What is the minimum insurance I must have?
  10. What are the best auto liability policy limits?
  11. What discounts can I get on my car insurance?
  12. Why are rates higher for younger drivers?
  13. What's the difference between "cancellation" and "non-renewal" of a policy?
  14. What is a deductible?
  15. Can my insurance company automatically include my son/duaghter on my policy?
  16. How much life insurance do I need?
  17. Term or Permanent Life Insurance?
  18. What is homeowners insurance?
  19. How much homeowners insurance do I need?
  20. What is a standard homeowners insurance policy?
What are your hours?
Denton:  Monday-Friday 8:30am-5:30pm
Gainesville:  Monday-Friday 8:30am-5:30pm



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What is your fax number?
Fax number is:  Denton 940-565-0787; Gainesville 940-668-7191

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What is your phone number?
Main number is:  Denton 940-566-2202; Gainesville 940-668-7675

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What types of insurance do you sell?
We sell most lines of insurance including:  Auto, Home, Commercial, Life, Motorcycle, Boat/RV, Renters...and many more!

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What companies do you represent?
We represent over 100 insurance companies.  Here are a few:  Travelers, Hartford, MetLife, Progressive, Kemper, Safeway, Safeco/Liberty Mutual, Foremost, Mercury, National Lloyds, etc...

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Do you speak Spanish?
Yes, we do have Spanish speaking agents at both locations to serve you better.

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How long does it take to get a quote?
You can receive a quote in as little as 10 minutes and we can bind most policies over the phone.

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What forms of payment do you accept?
We accept cash, check, credit card (visa, master card, american express) and money order.

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What is the minimum insurance I must have?
By law as of January 1, 2011, although we highly recommend higher limits the minimum liability insurance on your automobile is 30/60/25.

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What are the best auto liability policy limits?
It is generally accepted among insurance agents that the state minimum policy limits are not enough. Most insurance professionals would agree for the average driver the best liability limits to have are 100/300/100. This means:
  • 100,000 per person for bodily injury
  • 300,000 per accident for bodily injury
  • 100,000 per accident for property damage

    Since in most areas medical treatment is in fairly the same range, the last limit, per accident for property damage, is the one you may want to take into account if you are not the average driver. If you live in an area where you feel that if there was an accident, that was your fault, and property damage may exceed 100,000, you may want to consider higher limits. Remember, property damage is the other person's car and any other property damaged during the accident if you are at fault. In some areas one's landscaping alone can cost over 100,000!



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    What discounts can I get on my car insurance?
    There are a number of available discounts to help reduce the cost of an individual's auto insurance policy. They vary from between companies, some of these are:
    • Accident prevention course.
    • Automatic seat belts or air bags.
    • Factory installed anti-lock braking system (ABS).
    • Anti-theft devices (such as alarm systems or ignition "cutoff" devices, certain electronic-tracking devices, or qualifying identifying window glass etching).
    • Participation in a Combat Auto Theft (CAT) Program.
    • Factory-installed daytime running lamps (DRL).
    • "Careful Driver" or "Accident-Free".
    • A "Multi-Policy" or "Account" discount.
    • Driver Training (for operators under age 21)
    • Multi-Car


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    Why are rates higher for younger drivers?
    Insurance rates are based on the average experience of a group of persons with similar characteristics (classification). Young drivers historically have had poorer loss experience (both in the frequency of accidents and the cost of those accidents) than older drivers. By charging young drivers higher rates, those drivers pay their fair share of insurance costs and older drivers are not asked to subsidize them. In addition, rates are generally higher for males because, consistently, female drivers incur fewer and/or less severe claims than males

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    What's the difference between "cancellation" and "non-renewal" of a policy?

    Under Insurance Law, as long as premiums are paid, a personal automobile insurance policy must remain in effect for the stated policy period. If an insurer decides not to renew the policy at the expiration of this period, this is a "non-renewal."  However, if the insurer terminates the policy at any other time (which can only be done under limited circumstances), this is a "cancellation."



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    What is a deductible?
    A deductible is an amount that you agree to be responsible for in the event of a loss under the physical damage (collision or comprehensive) coverages of your policy. Deductibles are offered on some coverages to give insureds flexibility in the cost of insurance and the amounts they wish to be responsible. You may reduce your auto insurance costs by raising the deductibles on physical damage coverages. You should review the amount of the deductibles you now carry on these coverages to determine whether it makes sense for you to absorb a larger portion of your loss in the event of an accident, in return for a lower premium charge. 

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    Can my insurance company automatically include my son/duaghter on my policy?
    An insurer is permitted to consider all resident operators of an insured vehicle in the rating of an automobile policy, including a young adult, although he/she may only have a learner's permit. This is because insurers are permitted to use classifications that reflect a possible exposure for liability on the part of the insurer, in the event that bodily injury or property damage occurs due to that young adult's operation of the vehicle. Such a "limited use" classification, however, reflects the reduced likelihood of an incident due to "occasional" operation by a youthful driver, and is rated lower than if that person were the "principal operator."  In addition, young adult's living away at school (over 100 miles) are generally eligible for a reduced rate.

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    How much life insurance do I need?
    Determining how much life insurance you need requires a careful examination of your current and future financial obligations (i.e., a combination of (a) what would it cost to help your surviving family members meet immediate and ongoing needs like funeral costs, taxes, food, clothing, utilities, mortgage payments, etc. and (b) future obligations like college and retirement funding) and the resources that your surviving family members could draw upon to meet those obligations (i.e., your spouse's income, savings and investments, other income producing assets, and any life insurance you might already own).

    The difference between the two (your financial obligations minus the resources your family has to meet those obligations) is the approximate amount of additional life insurance you need. If this sounds confusing, don't worry. You're not alone. That's why most people turn to a qualified insurance professional when they want to figure out how much insurance they need. But if you don't feel you're ready to speak with an agent or want a preliminary sense of your needs before meeting with an agent, visit our Life Insurance Needs calculator. It'll walk you through the various questions you need to ask yourself and provide you with a rough estimate of how much insurance you need to protect your family.

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    Term or Permanent Life Insurance?
    It's impossible to say which is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals. But generally speaking, term offers the greatest coverage for the lowest initial premium and is a great solution for people with temporary needs or a limited budget. Permanent insurance may make more sense if you anticipate a need for lifelong protection and like the option of accumulating tax-deferred cash values. Also, it doesn’t have to be either one or the other. Oftentimes, a combination of term and permanent insurance is the right answer.  Call our agents to be assisted to find out what is right for you.

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    What is homeowners insurance?
    Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

    Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

    Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

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    How much homeowners insurance do I need?
    You need enough insurance to cover at minimum the following:
    • The structure of your home.
    • Your personal possessions.
    • The cost of additional living expenses if your home is damaged and you have to live elsewhere during repairs.
    • Your liability to others.


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    What is a standard homeowners insurance policy?
    Generally speaking, a standard homeowners insurance policy includes four essential types of coverage. They include:
    • Coverage for the structure of your home.
    • Coverage for your personal belongings.
    • Liability protection.
    • Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.


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