Frequently Asked Questions

What's the difference between an Independent Agent and the typical "captive" agents?

Captive agents are limited to only writing for their ONE perspective company.  As an Independent Agent I'm not limited to solely one company.  I have the ability and resources to work with numerous insurance companies, always reviewing policies and making sure you're getting the best combination of rate and coverage I can offer year after year. 

If we switch insurance companies within your agency, are you still my agent?

Definitely - yes!  I will always be your agent and easily accessible if needed.

Who or which company do I call if I have a claim?

ME. I will always got to bat for my clients, and be the middle man to start a claim if needed field questions, get answers and help move it along quickly.

It's the weekend, and I'm trading in my car.....on New Years Eve...

Call or email me.  I'm easily accessibly and normally able to take care of any changes or questions personally. 

Last day of the month, and I'm at the DMV...without my insurance card....

Contact me and I'll personally have it faxed or emailed right over

How much do I need to insure my home for?

Always go use the rebuild cost (RCT) and NEVER base it solely on the market value of the home or property, which can vary depending on factors such as location or selling market.  Using the asking price for insurance purposes can leave you grossly under insured come claim time. 

What is the difference between Actual Cash Value and Replacement Cost?

Actual Cash Value (ACV) is better known as the depreciated cost of your property or personal belongings.  Always make sure you have Replacement Cost. 

 Do I need liability insurance for my business?

Simply put..yes.  If not you are putting yourself at risk for a major out of pocket lawsuit. 

 How much life insurance do I need?

Make sure at the very least your immediate needs are covered (mortgage, car loans, outstanding debt) then think about possible future needs - college fund, spouse's retirement, lost income.  Every situation is different - contact FGS Agency to go over affordable options that will protect your family