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Sharon Leung - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Richard Tay - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Ryan Stevens - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Arlene Bautista - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Rebecca Higgs - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Jim Canty - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Rich Stevens - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Ray Vermeulen - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
John Luithly - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Susan French - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Important Terms Insurance Agents and Agencies Use
The following are some important – but lesser known – insurance terms that may be used by your insurance agent or agency.

Binder: A binder is an initial or limited agreement between an insurance agent or agency and a client. Binders are a way of offering temporary coverage to an individual before a permanent policy is drafted or signed.

Comprehensive Coverage: Comprehensive coverage reimburses a policyholder for uncontrollable occurrences. Comprehensive coverage can be included in auto and homeowners insurance policies and includes events like vandalism, theft, fire, and damages caused by natural disasters like storms and floods.

Endorsement: An endorsement, or rider, is a change made to an insurance agreement that adds or eliminates certain coverage.

Incontestable Clause: An incontestable clause is a part of certain kinds of insurance policies that removes an insurance company’s ability to argue a claim. For example, if someone with life insurance commits suicide, the insurance company cannot deny coverage if the policy has been in effect for a certain amount of time. Incontestable clauses usually take effect after about two years.

Lapse: A lapse is an end to insurance coverage due to nonpayment. Most policies offer a grace period before a lapse occurs.

Mandated Benefits: These are policy benefits that must be offered to health insurance subscribers. Mandated benefits are determined by state and federal laws.

Surcharge: A surcharge is a monthly fee in addition to the usual monthly premium. Surcharges are often added to car insurance policies if a moving violation or accident has been reported.

Underwriting: Underwriting is the process of charging particular rates based on a potential or current client’s general information. This generalization is the degree of insurability of a particular group. For example, a teenage female and an elderly male are classified differently and will pay different premium rates.

King & Deppe Insurance
Your source for Irvine insurance-agents-and-agencies. Top quality Irvine insurance-agents-and-agencies.
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Connecture
Our local Irvine area insurance agents specialize in family and individual coverage to suit your budget and needs. Let us make sure you have the coverage you need from our insurance agents.
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Nat. Assoc. For Self-Employed
We are one of the most reliable Insurance Agencies for the self-employed in or near Irvine. We have a full rundown on a multitude of Insurance Services for you in Irvine & surrounding areas.
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Future Insurance Agency
Providing the complete coverage you're looking for from our local Irvine area insurance agents and agencies. Find out how affordable health, home, and auto insurance can be with our providers.
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California Insurance Finder
Providing the most affordable and comprehensive coverage for families and businesses from our insurance agents and agencies in Irvine. Call our insurance agents today for a quote.
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HealthPlans247.com
Offering high quality plans from our insurance agents and agencies in the local Irvine area. Providing you with the best rates from our insurance agents and agencies in the Irvine area.
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Hollywood Auto Insurance
Consult with our local Irvine area insurance agents and agencies to find the best plans for your driving habits. Making sure you have the complete coverage necessary to protect your assets.
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National Association of Professional Insurance Age
The members of our prestigious association are the most professional insurance agents available in the nation. Find the right type of provider and coverage you need with our association.
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My Insurance Page
Seeking to provide you with the best insurance rates and quotes available. Near Irvine, we offer the best Insurance Services services available. Tired of the poor treatment from other Insurance Agencies? Here we treat you like number one. Call us today and get your free quote!
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Shop 4 Health Insurance.com
Have you been looking for the most trusted and preferred insurance policies in the local Irvine area? Then don't wait to call our insurance agents and agencies to get the coverage you need.
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STANDARD LISTINGS:   INSURANCE-AGENTS-AND-AGENCIES IN/NEAR IRVINE
Premier One Insurance Write review for this local business
100 Pacifica Suite 480, Irvine, CA 92618
(562) 758-0403  
If you are searching for someone to handle your insurance needs, then contact us today. We offer a long list of products, including risk management, liability, health, automobile, and more.
Knox General Insurance Brokers
1 review: *****
226 S Glassell St, Orange, CA 92866
(714) 744-3300 Write review for this local business

"Fast friendly service, was able to see me the same day to write policy. A++ ..."
Best Coast Insurance Services Write review for this local business
1028 N Tustin St, Orange, CA 92867
(714) 538-5301  
We are the fastest growing auto insurance agency in the area, so call our agents now. We are comprised of professional insurance agents who have many years of experience in the business.
Sidles Duncan & Associates Write review for this local business
3200 El Camino Real Ste 120, Irvine, CA 92602
(714) 389-7500  
State Farm Insurance Write review for this local business
3200 El Camino Real Ste 110, Irvine, CA 92602
(949) 769-2600  
Fidelity National Title Insurance Write review for this local business
3220 El Camino Real, Irvine, CA 92602
(714) 263-4500  
Millinnium Corporate Solution Write review for this local business
5530 Trabuco Rd, Irvine, CA 92620
(949) 857-4500  
Seymour-Hutchings Insurance Services Write review for this local business
4840 Irvine Blvd Ste 202, Irvine, CA 92620
(714) 544-9100  
State Farm Insurance Write review for this local business
5410 Trabuco Rd Ste 100, Irvine, CA 92620
(949) 726-9015  
Garrett-Mosier Insurance Services Inc Write review for this local business
12 Truman St, Irvine, CA 92620
(949) 559-6700  
State Farm Insurance Write review for this local business
4790 Irvine Blvd Ste 205, Irvine, CA 92620
(714) 544-5164  
Josephine Insurance Agency Write review for this local business
23 Atherton, Irvine, CA 92620
(714) 832-6244  
Bruce D. Gleit, Attorney at Law Write review for this local business
7 Nantucket, Irvine, CA 92620
(949) 727-9690  
Claflin Insurance Service Write review for this local business
42 Grant, Irvine, CA 92620
(949) 786-8164  
Farmers Insurance Write review for this local business
4200 Trabuco Rd Ste 140, Irvine, CA 92620
(949) 857-0566  
Allstate Insurance Companies Write review for this local business
4200 Trabuco Rd, Irvine, CA 92620
(949) 552-6900  
Allstate Write review for this local business
4860 Irvine Blvd Ste 206, Irvine, CA 92620
(714) 729-3708  
Sheni Assoicates Inc Write review for this local business
6 Buchanan, Irvine, CA 92620
(949) 552-0668  

Insurance agencies and the agents themselves may consider very different coverage plans for homeowners or commercial property brokers. Whether farmers need coverage or you need a plan for your auto, as well as medical or traveling insurance, much can be considered a liability so it’s important to hire a licensed agent who can provide general services. Whether you have specialties, such as traveler insurance or have specific health issues, finding the right group that covers federal needs as well as workers compensation and everything between can make the difference between surviving and losing everything.

  • What rate will my premiums run?
    A quote will be established and then, after everything is set into place, an insurance agency will send you rates with different coverage options. Rates vary depending state to state and whether these are high risk or require long term coverage for a business, network of offices, even national needs can be covered.

  • What property is covered?
    Be clear about the property that is being covered and what it entails. Different elements, such as water or fire, produce a higher risk for certain properties. Liabilities may spike your ratings, so any specialty needs to be addressed.

  • Do you have certification?
    Asking if all the titles are in place for homeowners, as well as automobile owners can affect both liability and management of the insurance plan.

  • Can I get a cheaper premium?
    Most of the time cheaper insurance is available, but this effects how much the insurance company will make available incase your health declines and your medical bills sore, or you have an auto accident. This effects any kind of insurance for travelers, and commercial properties as well as unemployment.


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