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Dee Stover - State Farm Insurance Agent
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Zach Bay - State Farm Insurance Agent
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Bryan McGruder - State Farm Insurance Agent
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Travis Foster - State Farm Insurance Agent
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Richard Pearsall - State Farm Insurance Agent
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Craig Winton - State Farm Insurance Agent
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Michelle Marks - State Farm Insurance Agent
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Jeff Avery - State Farm Insurance Agent
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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 Redding insurance-agents-and-agencies. Top quality Redding insurance-agents-and-agencies.
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Connecture
Our local Redding 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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Future Insurance Agency
Providing the complete coverage you're looking for from our local Redding 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 Redding. Call our insurance agents today for a quote.
MAP
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HealthPlans247.com
Offering high quality plans from our insurance agents and agencies in the local Redding area. Providing you with the best rates from our insurance agents and agencies in the Redding area.
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Hollywood Auto Insurance
Consult with our local Redding 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.
MAP
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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.
MAP
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Shop 4 Health Insurance.com
Have you been looking for the most trusted and preferred insurance policies in the local Redding area? Then don't wait to call our insurance agents and agencies to get the coverage you need.
MAP
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American Association of Health Plans
If you're looking for a dependable and affordable health insurance agent or agency near you, check our association's directory. Listing only the best insurance agents and agencies in the country.
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National Center for Assisted Living
Businesses specializing in health care coverage should be a part of our nationwide association for health care. Whether you're an insurance agent or agency, you should be a part of our association.
MAP
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STANDARD LISTINGS:   INSURANCE-AGENTS-AND-AGENCIES IN/NEAR REDDING
Allstate Insurance Write review for this local business
1720 Shasta St, Redding, CA 96001
(530) 244-1800  
George Petersen Insurance Write review for this local business
1670 Market St Ste 256, Redding, CA 96001
(530) 244-9400  
Letitia Smith Write review for this local business
2477 Athens Ave, Redding, CA 96001
(530) 246-2163  
Andy Cfp Duff CLU Chfc Write review for this local business
1348 Market St, Redding, CA 96001
(530) 246-4333  
Beck Margaret R Write review for this local business
1348 Market St Ste 208, Redding, CA 96001
(530) 225-8583  
AMIC Health Insurance Services Inc Write review for this local business
1819 Court St, Redding, CA 96001
(530) 245-4405  
Ow Kimberly Health Insurance Services Write review for this local business
1350 Placer St, Redding, CA 96001
(530) 241-0223  
Haragan Insurance Agency Write review for this local business
1750 Wisconsin Ave, Redding, CA 96001
(530) 246-2472  
State Farm Insurance Write review for this local business
1822 Buenaventura Blvd Ste 107, Redding, CA 96001
(530) 243-4600  
Bambauer Sherrill Write review for this local business
1890 Park Marina Dr Ste 102, Redding, CA 96001
(530) 243-5646  
James Diehl Insurance Solutions Write review for this local business
4384 Wild Flower Way, Redding, CA 96001
(530) 222-2233  
Thrivent Financial for Lutherans Write review for this local business
1610 West St Ste B, Redding, CA 96001
(530) 244-2203  
State Farm Insurance Write review for this local business
1615 Court St, Redding, CA 96001
(530) 241-0252  
B Nicholas Namihas MD Write review for this local business
2005 Court St Ste B, Redding, CA 96001
(530) 244-3622  
Perry Pickern Write review for this local business
1720 Shasta St, Redding, CA 96001
(530) 244-1800  
Allstate Insurance Write review for this local business
2477 Athens Ave, Redding, CA 96001
(530) 718-2001  
Farmers Insurance Write review for this local business
2876 Park Marina Dr, Redding, CA 96001
(530) 243-9262  
Barbara Mcclaskey Insurance Services Write review for this local business
1965 Pine St, Redding, CA 96001
(530) 243-5190  

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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