Frontier in Richmond, TX with Reviews -
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By: Christopher F.
Christopher France & Assoc
Good Evening,My name is Christopher France. My wife and I own France Insurance & CO. As an independent insurance agency whose main office is located in Richmond, Texas. We proudly serve the entire state of Texas with offices located in Houston, Dallas, Fort Worth, Austin, Conroe, Tomball, Kingwood, Humble, Pearland, Magnolia, El Campo, Sugarland, Deer Park and San Antonio.We Specialize In all types of insurance and Risk management.Agency Vision:“To understand, meet and exceed the needs and expectations of our clients by empowering our agents, staff, and managers with the tools to do so.”Agency Mission:· Be an active advocate for our clients in every arena by providing expert representation and advice at time of consultation, during purchase,at renewal and in the event of claim due to loss.· Be a staunch supporter of the community that we both work and live in.· Be an employer that provides a work environment that fosters excellence in all areas of both career and family.In order to facilitate our agency’s mission, we have formed partnerships with over 90 different insurance companies. A partial list is found below:· Aetna· America First Insurance Company(a Liberty Mutual company)· American Strategic Insurance· Aviva Life Insurance Company· Banner Life· Blue Cross-Blue Shield· Bristol West· Chubb· Cypress Texas Lloyds· Dairyland Insurance Company· Fidelity Insurance Company· Fireman’s Fund· Foremost Insurance Group· Genworth· GMAC Insurance· Golden Rule· Hagerty Classic Automobile Insurance· The Hartford Insurance· Humana· ING· MetLife Auto & Home Insurance Company· Mutual of Omaha· National Flood Insurance Program· Pacificare· Principal Life· Progressive Insurance Company· Prudential· Safeco Insurance· Scottsdale Insurance· Securian· State Auto Insurance Company· Texas Fair Plan· Texas Mutual Insurance Company· Texas Windstorm Insurance Association· Titan Insurance Company· Transamerica Life· Travelers Insurance· United Health Care· Universal NA Insurance Company· Victoria Insurance Company· West Coast Life Insurance Company· Zurich Insurance GroupThe list of coverages provided by our carriers are:· Auto· Home· Boat· Motorcycle· ATV· Mobile Home· Rental Homes· Vacation Homes· Travel Trailers· Renters Insurance· Jet Skis and Wave Riders· Flood· Windstorm· Builders Risk· Farm & Ranch· Health – Individual· Health – Group· Life – Term· Life – Whole & Universal· Disability· Annuities· Long Term Care· Medicare Supplement· Dental· Bonds· Business & Commercial· Trucking & other Commercial Vehicles· Wedding & other Event Coverage· Workers Compensation· General LiabilityBy representing a wide array of reputable insurance carriers and coverages, we are able to identify each individual client’s insurance needs and match it to the carrier and coverage that best suits their situation while at the same time providing competitive rates. We are also careful to work only with companies that have a solid reputation for handling claims quickly and fairly.In summary, France Insurance & CO was founded to serve you, our client, in the best possible way. We pledge to lower your rates, not your expectations. As you can See Family is Important tot me, and we would like to welcome you to the family as well if you will let us.
Tips & Advices
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash.
Yes. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easy. Potential customers can often get free quotes online very quickly.
Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes to record: what happened before the accident, the date and time, traffic signs in the area and road conditions. Also get the other driver's name, address, license plate number, and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.

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