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By: unsatisfied304
Asseff Insurance Agency LLC
I switched to Asseff Insurance due to having the lowest rate of the companies I quoted. I have not had any claims so I cannot speak to those but I found him to be very unprofessional in his business and in the way he communicates. Once my policy expires, I will spend a little more to have an agent that is experienced in the profession.
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By: Paul J.
White Ins & Associates
My insurance is actually via Elkview Insurance, but they are working at the White office due to the flood of 6/24. I have needed to contact them several times. Every time has been nothing but great experiences. Even sent faxes for me.
By: Bruce R.
Garlow Insurance Agency
Everyone at Garlow Insurance Agency is fantastic! They always keep me informed about changes to my coverage or new discounts and are very responsive when I have questions.
By: Christine B.
Garlow Insurance Agency
I have my business liability insurance through Garlow Insurance and they give me a fair rate on my policy.
Tips & Advices
Yes, they can cancel policies and also choose not to renew policies once they expire. This can happen for a variety of reasons:
  • Failure to pay premiums
  • Giving false information to an insurer
  • Failure to meet fire or security codes or other recommendations
  • Failure to meet established safety guidelines, like removing pools or trampolines
  • Filing too many claims
  • Failure to repair home damage that protects from needing to filing claims
  • Increase in criminal activity within your neighborhood area
No, homeowners insurance is a nondeductible expense. The only case in which it’s not is if part of the home is used home for business, then the square footage used for that purposes could be deductible.
Without homeowners insurance, you may be fully responsible for the costs of repairing damages to a home and for replacing belongings that get damaged or stolen. Also when applying for a home loan, most banks require that borrowers have home insurance. Banks treat these loans as investments and home insurance acts as a protection of these investments.
Earthquakes, floods, tornadoes, and other natural disasters are not typically covered by home insurance--there are separate insurance coverages for them that can be purchased.
It does not cover anything dealing with vehicles or items within vehicles. Protection from natural disasters is also rarely covered automatically.

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