Quick answers for you

FAQ

Common questions our clients ask

• How do I request a quote for insurance coverage?

  We make it easy and fast! You have a few simple options to get a personalized quote that finds you the best policy:

  1. Online Form: The quickest way is to complete our secure, short Online Quote Form right here on our website. Just tell us a little about your needs (for example, auto insurance or home insurance), and we’ll start compiling your options immediately.

  2. Call Our Agents: Prefer a personal conversation? You can call us directly at (925) 828-9933 during business hours to speak with a licensed agent. They will guide you through the options, answer your questions, and provide a competitive quote over the phone.

  3. Visit Our Office: We always welcome you to stop by our local office at 11960 Silvergate Drive, Ste. 101 Dublin for a face-to-face consultation.

• What other types of insurance do you offer?

  We are a full-service insurance agency! 

  • For personal insurance, we offer auto, home, landlord, renters, and personal umbrella. 
  • For commercial insurance, we offer commercial general liability, property, business owners’ policies, workers compensation, builder’s risk, professional liability, employment practices liability, and many more!

• How can I update my personal or policy information?

  Keeping your information current is crucial for ensuring your coverage remains accurate, and we’re here to help make that process seamless.

  To update your policy details, such as changing a vehicle, updating your mailing address, or adjusting your beneficiaries, please choose one of the following:

  1. Call Your Agent: This is usually the fastest method. Contact your dedicated agent directly at (925) 828-9933. They can often make many changes right away.

  2. Submit a Request Online: Log in to your secure Client Portal (if applicable) or use our Policy Change Request Form on our website. 

  3. Email Us: Send an email with your policy number and the requested change to info@rosybrown-turkey-634249.hostingersite.com.

• What should I do if I need to file a claim?

  Experiencing a loss or accident can be stressful, but we’re here to support you every step of the way.

  To file a claim, we recommend these steps for the fastest resolution:

  1. 1. Ensure Safety: First and foremost, address any immediate emergency and ensure the safety of all parties.

     2. Gather information: Collect details like the date/time of the incident, photos, and contact/insurance information for any other involved parties.

     3. EITHER: Contact your carrier directly: The quickest way to file is by calling your insurance carrier’s 24/7 claims hotline. This number is typically listed on your insurance card or on our Carriers page.

     4. AND/OR notify our agency: If you need assistance, we can help file the claim on your behalf. Once the claim is filed, the carrier will reach out to you directly to get your statement – this is required by all insurance carriers. While the carrier handles the payout process, we act as your advocate to review the details and ensure everything is moving forward smoothly and fairly.

• How do I contact support or speak with an agent?

  We pride ourselves on being accessible to our clients. When you need us, we’re just a call or click away!

  • For Immediate Assistance/To Speak to an Agent: Call our main line at (925) 828-9933 during our operating hours ([Your Hours]). You will always be connected with a licensed professional.

  • General Inquiries: Email us at info@rosybrown-turkey-634249.hostingersite.com. We aim to respond to all emails within 4 business hours.

  • Visit Us: Feel free to drop by our office.

  We value your business and are committed to delivering the personalized service you deserve

• What is a deductible and how does it affect my premium?

  A deductible is the amount of money you agree to pay out-of-pocket before your insurance coverage kicks in. Think of it as your share of a covered loss.

  How it Affects Your Premium (Your Cost):

  • Higher Deductible = Lower Premium: If you choose a higher deductible (meaning you take on more of the initial risk), your insurance company views you as less likely to file small claims. In return, they lower your monthly or annual premium cost.

  • Lower Deductible = Higher Premium: If you prefer the insurance company to cover costs sooner, you’ll choose a lower deductible, but this typically results in a higher premium.

  We can help you choose the right balance between premium savings and out-of-pocket risk for your specific financial comfort level.

• Why should I use an independent insurance agency like yours instead of going directly to one company?

  That’s an excellent question! Choosing an independent agency like ours provides you with a powerful advantage – choice and advocacy.

  • Access to Multiple Companies: We partner with many different, highly-rated insurance carriers. This allows us to shop the market on your behalf, comparing policies and prices to find the absolute best value that meets your unique needs. A single-carrier agent can only offer you their company’s products.

  • Unbiased Advice: Our loyalty is to you, not to one insurance company. We offer impartial advice, ensuring you understand the pros and cons of each policy option.

  • Personal Advocate: We are your dedicated point of contact, providing a familiar voice for policy changes, questions, and especially when filing a claim.

  We do the hard work of shopping so you can enjoy the peace of mind that comes with superior coverage.

• How often should I review my insurance policies?

  We highly recommend reviewing your insurance policies at least once a year, ideally a few weeks before your renewal date.

  Life changes quickly, and your insurance should keep up! Annual reviews are important for several reasons:

  • Life Events: Have you bought a new home or vehicle, started a business, gotten married, or had a baby? These events significantly impact your coverage needs.

  • Potential Savings: Rates and discounts change. A review ensures you are not overpaying and that you’re taking advantage of every available discount.

  • Adequate Coverage: We’ll confirm your limits are still appropriate to fully protect your assets in today’s market, especially against rising repair and replacement costs.

  Simply contact your agent to schedule your free annual policy review—it’s a quick call that can save you significant money and worry!

Got more questions?

Get in touch

• Multilingual support
• Same-day response

Contact us