Our Services

Home Insurance

Your home is one of your most valuable assets. It's where you and your family live and create lasting memories. It's where you keep your valued possessions.

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Auto Insurance

Home Insurance

No matter what kind of motor vehicle you drive, the right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered events.

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Business Insurance

As business owners, we understand the special protection businesses need to prosper. Whether your business is big or small, simple or complex, we have the special knowledge and expertise to identify ways to properly insure your business.

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Life Insurance

Business Insurance

Life insurance is a crucial step in planning for your family's future. In the event of your death, a life insurance policy can help fulfill the financial needs of your loved ones in exchange for premiums paid to your insurance provider.

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Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

What is a deductible?

A deductible is the amount you pay out of pocket for covered expenses before your insurance starts to pay. In other words, a deductible is the portion of the total cost of a covered expense that you are responsible for paying, while your insurance covers the rest. For example, if you have a $1,000 deductible and your insurance covers $10,000 of a covered expense, you pay the first $1,000 and the insurance pays the remaining $9,000.

Can I change my home insurance while in escrow?

Yes, you can change your homeowner's insurance while in escrow. However, the process of changing insurance during the escrow period can be complex and may require coordination with your escrow agent, lender, and insurance provider. It's important to check with your escrow agent for specific instructions and requirements for making changes to your insurance policy during the escrow process.

In general, the lender typically requires proof of insurance coverage before closing on the sale of a home, so it is important to make any changes to your policy in a timely manner to ensure the escrow process is not delayed.

Can I cover specific valuable items I own?

Yes, you can cover specific valuable items you own through a personal property endorsement or a separate insurance policy, known as a floater or a scheduled personal property policy. This type of coverage provides protection for specific items, such as jewelry, fine art, antiques, or high-end electronics, that may have a value that exceeds the limits of your standard homeowner's insurance policy. With a personal property endorsement or floater, you can choose to insure the item for its full value, without the typical limitations and exclusions that may apply under a standard policy.

It's important to have a professional appraisal for valuable items to determine their current market value, as this will determine the amount of coverage you need. If you own valuable items, it is a good idea to speak with your insurance agent to learn more about your options for protecting them.

Do I need to get a new appraisal to renew or change my coverage?

It depends on the insurance company and the type of coverage you have. Some insurance companies may require a new appraisal when renewing or changing coverage for valuable items, while others may not. For example, if you have a scheduled personal property policy, the insurance company may require a new appraisal every few years to keep the coverage up to date. On the other hand, if you have a personal property endorsement on your homeowner's insurance policy, a new appraisal may not be required to renew or change coverage.

It's best to check with your insurance company for their specific requirements and recommendations when it comes to renewing or changing coverage for valuable items. If in doubt, it may be a good idea to have a professional appraisal done to ensure that your coverage accurately reflects the value of your items.

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Tue	08:30 am – 07:00 pm
Wed	08:30 am – 07:00 pm
Thu	08:30 am – 07:00 pm
Fri	08:30 am – 05:00 pm
Sat	10:00 am – 02:00 pm
Sun	Closed

Welcome

Protect Your Home, Auto, Life, and Business with Trusted Insurance Carriers

Our Services

Home Insurance

Home Insurance

Home Insurance

Auto Insurance

Home Insurance

Home Insurance

Business Insurance

Business Insurance

Business Insurance

Life Insurance

Business Insurance

Business Insurance

Frequently Asked Questions

Contact Us

Williamson Insurance Agency

Hours

Welcome

Protect Your Home, Auto, Life, and Business with Trusted Insurance Carriers

Our Services

Home Insurance

Home Insurance

Home Insurance

Auto Insurance

Home Insurance

Home Insurance

Business Insurance

Business Insurance

Business Insurance

Life Insurance

Business Insurance

Business Insurance

Frequently Asked Questions

Contact Us

Williamson Insurance Agency

Hours

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