How much insurance do you need? That's a good question and one which J.R. Aliciene Agency helps you discover. Our goal is always making sure you're properly insured – not over-insured, not underinsured. We do this through our Insurance Needs Assessment, a useful tool to develop the best insurance strategy for you. It also helps identify how to best protect you and your family from the financial consequences of unforeseen events.
Put our expertise and experience to work for you for the peace-of-mind that comes from knowing you have the right protection for all areas of your life.
Finding the right automobile for your needs is important because of the impact it likely has on your everyday life. Equally important is finding the right automobile insurance. J.R. Aliciene Agency offers coverage that goes beyond physical coverage for your car. We also provide Property Damage Liability if an accident causes damage to another's property as well as helping protect you against the financial hazards you can face if you are in an accident caused by someone with either no automobile insurance or too little insurance.Available coverages include:
Purchasing homeowners insurance is not only critical for protecting your home and personal property against any potential liability, if you have a mortgage your lender will require it. J.R. Aliciene Agency walks you through every step of the process to make sure you have the coverage you need.
Remember, these coverages pertain only to losses caused by a peril covered by your policy. For instance, if your policy doesn't cover earthquake damage, then losses will not be reimbursed.
Renters sometimes overlook the need for insurance because they believe they may not have a significant amount of personal possessions, or because the property is already insured by the owner.
While it is true that a rental property is insured by the owner, the destruction or loss of your personal belongings is not. J.R. Aliciene Agency can find the right Renters Insurance, which should cover:
Life Insurance is one of the most important investments you can make to secure the financial future of your loved ones. At J.R. Aliciene Agency we take the time to help you determine the best coverage for your individual life insurance needs.
When considering the level of life insurance coverage you need be sure to keep in mind the financial obligations your loved ones will face, such as mortgage payments, estate taxes, debts, education expenses, etc. The right life insurance policy helps alleviate those financial responsibilities. In addition, changes in your life mean your financial and insurance needs will probably change as well. That's why it's good to periodically review your life insurance options.J.R. Aliciene Agency offers various Life Insurance coverages, including:
Ask us about the differences between Term Life, Whole Life/Permanent Life, Universal Life and Variable Life policies.