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Protect Your Home with Boyce Insurance & Financial Services
At Boyce Insurance & Financial Services, we offer more than just quality coverage for your home. With access to innovative tools, money-saving discounts, and personalized service, it's easy to ensure you're covering all your bases. Discover how we can help protect your most valuable asset.
What Risks Does Your Policy Cover?
While coverage may vary based on your location, standard homeowners insurance policies typically help pay to repair damage caused by certain risks or perils, including:
- Theft
- Fire and smoke
- Windstorm or hail
- Falling objects
- Frozen plumbing
- Water damage from plumbing, water heater, appliances, and heating or cooling systems
How to Insure Your Home with Boyce Insurance & Financial Services
- Choose your coverage: No two homes are alike. We'll work with you to design an insurance policy that fits your unique needs.
- Apply for a policy: We make the process quick and easy, so you can start protecting your home as soon as possible.
- Stay protected: As your life changes, so do your home insurance needs. We'll work with you to ensure what you love remains covered.
Explore Coverage for Other Types of Property
Every home comes with its own set of benefits and risks. Quality property insurance can help give you peace of mind no matter where you live. Learn about coverage options that could be right for you:
- Renters Insurance
- Landlord Insurance
- Condo Insurance
- Mobile & Manufactured Home Insurance
How Can Boyce Insurance & Financial Services Help Protect Your Home?
Our agents work to understand your unique needs so they can help you get the coverage that fits your life and home. Specifically, our agents can:
- Explain your home insurance coverage options
- Find discounts to save on your home insurance premium
- Help you understand the home claims process
- Help protect your family's future with life insurance which can help you pay off your mortgage
Ready to protect your home? Get in touch with Boyce Insurance & Financial Services today!
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Frequently Asked Questions: Auto Insurance
How much car insurance do I need?
The amount of car insurance you need depends on several factors, including your state's requirements, the value of your vehicle, and your personal financial situation. At minimum, you'll need to meet your state's liability insurance requirements. However, we recommend considering additional coverages like collision, comprehensive, and uninsured/underinsured motorist protection for more complete coverage.
What factors affect my auto insurance rate?
Several factors can influence your auto insurance rate, including:
Your driving record.
The type of car you drive.
Your annual mileage.
Where you live and park your car.
Your age and driving experience.
Your credit-based insurance score (in most states).
We can help you understand how these factors apply to your situation and find ways to potentially lower your rate.
How can I save money on my car insurance?
Bundling your auto policy with home or renters insurance.
Maintaining a safe driving record.
Taking advantage of available discounts (e.g., good student, multi-car, safety feature discounts).
Choosing a higher deductible (if you can afford it).
Improving your IS score.
Our team can review your policy and situation to help identify savings opportunities for you.
Frequently Asked Questions: Homeowners Insurance
What does home insurance typically cover?
A standard home insurance policy typically covers:
Dwelling (your home's structure).
Other structures on your property (e.g., detached garage, shed).
Personal property (your belongings).
Liability protection.
Additional living expenses if your home becomes uninhabitable due to a covered loss.
Keep in mind that coverage can vary, so it's important to review your policy details with us.
How much home insurance do I need?
The amount of home insurance you need depends on several factors, including:
The cost to rebuild your home.
The value of your personal belongings.
Your liability risks.
Any additional coverages you might need (e.g., Jewelry, extra riders).
We recommend regularly reviewing your policy to ensure your coverage keeps pace with any home improvements, major purchases, or changes in rebuilding costs.
How can I save money on my Homeowners insurance?
Bundling your home policy with auto insurance.
Maintaining a claim free discount.
Taking advantage of available discounts (e.g., claim free, multi-policy, safety feature discounts such as alarm systems and sprinkler systems).
Choosing a higher deductible (if you can afford it).
Our team can review your policy and situation to help identify savings opportunities for you.
Frequently Asked Questions: Life Insurance
What's the difference between term and permanent life insurance?
Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and is generally more affordable in the short term. Permanent life insurance, which includes whole life and universal life, provides lifelong coverage and builds cash value over time. The best choice depends on your individual needs and financial goals.
How much life insurance do I need?
The amount of life insurance you need depends on various factors, including:
Your income.
Your debts and future financial obligations
Your family's lifestyle and future needs (e.g., children's education).
Your long-term financial goals.
We can help you assess your needs and recommend an appropriate coverage amount.
Can I change my life insurance beneficiary?
Yes, you can generally change your life insurance beneficiary at any time, unless you've made an irrevocable beneficiary designation. It's important to review your beneficiaries regularly and update them after major life events like marriage, divorce, or the birth of a child. We can assist you with the process of updating your beneficiaries.
Remember, insurance needs can be complex and vary from person to person. At Boyce Insurance & Financial Services, we're here to answer your questions and help you find the right coverage for your unique situation. Don't hesitate to contact us for personalized advice and quotes.