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Cress Insurance Group

HOME & AUTO INSURANCE

we make sure you're covered.

You put a roof over your head,

HOME & AUTO INSURANCE

Homeowners and Auto Insurance Quote

•    Personal Home

•    Personal Auto

•    Personal Umbrella

•    Life and Health

•    Personal Articles Floater

•    Motorcycles

•    ATV's

•    Boats

•    Recreational Vehicles and Campers

•    Second Homes

•    Mobile Home Insurance

•    Tenant/Renters Insurance

•    Travel and Accident

•    Estate Planning 

GET A HOME & AUTO QUOTE

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Homeowners and Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

 

Request Declaration and Coverages for Existing Homeowners 

Insurance Coverage

Request ID Card for Auto Policy

REQUEST INFORMATION

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Auto and Homeowners Insurance Information

 

What is auto insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.

  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

 

Why do you need auto insurance?

It's really all about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.

  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.

  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.

  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

 

Questions to ask your agent

Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)

  • What is the insurance company's level of service and ability to pay claims?

  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)

  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

What is homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

 

 

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.

  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.

  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.

  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

 

Things to consider and questions to ask your agent

Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)

  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)

  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Cress Insurance Group

GET A QUOTE 

Get a quote today and see what Cress can do for you! Email us below or call us at 505.822.8114.

Thanks! We'll get in touch about your quote.

Cress Insurance Group

FIND AN AGENT

Don't have an insurance agent? We'll find one for you! Email us below or call us at 505.822.8114.

Thanks! We'll get in touch and find you an agent.

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