Question 1

WHY SHOULD I CHOOSE AN INDEPENDENT INSURANCE AGENCY INSTEAD OF A BIG-NAME COMPANY?

Accepted Answer

As an independent agency, we work for you—not one insurance company. This means we can compare multiple carriers to find coverage that fits your needs and budget, giving you more options and personalized service.

Question 2

HOW DOES TREKSAGE FIND THE RIGHT COVERAGE FOR ME?

Accepted Answer

We take the time to understand what matters most to you—your family, your home, your business, or your lifestyle. Then we match you with policies that provide the right level of protection without unnecessary extras.

Question 3

HOW DO YOU DETERMINE THE AMOUNT OF COVERAGE I NEED?

Accepted Answer

We consider factors like your home value, assets, lifestyle, and future goals. It’s not one-size-fits-all—we’ll guide you through what makes sense for your situation.

Question 4

CAN I BUNDLE HOME AND AUTO INSURANCE FOR SAVINGS?

Accepted Answer

Yes! Bundling is one of the easiest ways to lower your premiums, simplify your bills, and maximize discounts.

Question 5

WHAT FACTORS AFFECT MY AUTO INSURANCE PREMIUM?

Accepted Answer

Your driving history, vehicle type, location, credit, and coverage choices all play a role. We’ll review these with you to find the best balance of protection and price.

Question 6

IS RENTERS INSURANCE REALLY NECESSARY IF I DON'T OWN MY HOME?

Accepted Answer

Absolutely. Renters insurance protects your belongings from theft, fire, and other losses, and it provides liability coverage if someone is injured in your space.

Question 7

DO I NEED LIFE INSURANCE IF I ALREADY HAVE COVERAGE THROUGH WORK?

Accepted Answer

Employer-provided life insurance is a great benefit, but it’s often limited. A personal policy ensures you’re covered no matter where you work and provides added financial security for your loved ones.

Question 8

WHAT'S THE DIFFERENCE BETWEEN REPLACEMENT COST AND ACTUAL CASH VALUE?

Accepted Answer

Replacement cost covers the full cost to replace an item today, while actual cash value factors in depreciation. Replacement cost gives you more protection, but we’ll review both options with you.

Question 9

WHAT TYPES OF BUSINESSES DO YOU INSURE?

Accepted Answer

We work with a wide range of businesses, from small startups to established companies. Whether you run a retail shop, professional office, contracting business, or rental property, we can customize coverage to protect your operations.

Question 10

WHAT IS GENERAL LIABILITY INSURANCE, AND WHY DO I NEED IT?

Accepted Answer

General liability insurance protects your business from financial loss if you’re found responsible for property damage, bodily injury, or advertising mistakes. It’s one of the most important coverages for any business.

Question 11

WHAT'S THE DIFFERENCE BETWEEN PROFESSIONAL LIABILITY AND GENERAL LIABILITY?

Accepted Answer

General liability covers accidents and injuries, while professional liability (also called errors and omissions) protects you if a client claims your professional advice or services caused them financial harm.

Question 12

HOW MUCH BUSINESS INSURANCE DO I REALLY NEED?

Accepted Answer

The right amount depends on your industry, size, risks, and assets. We’ll work with you to create a coverage plan that protects your business without over-insuring.

Question 13

CAN I ADJUST MY BUSINESS COVERAGE AS MY COMPANY GROWS?

Accepted Answer

Absolutely. Your insurance should grow with your business. We’ll review your policies regularly to make sure they keep up with new employees, locations, or services.

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