Customer FAQ’s

  • What are the advantages of using an independent agent to purchase insurance?
  • Why do I need insurance?
  • What kinds of questions should I be expected to answer when I am applying for an insurance policy? Why do insurers need so much information?
  • What is the difference between collision physical damage coverage and comprehensive physical damage coverage?
  • What factors can affect the cost of my automobile insurance?
  • What does homeowners insurance cover?
  • What factors should I consider when purchasing homeowners insurance?
  • Where and when is my personal property covered?
  • How much life insurance should an individual own?
  • Why would I want to buy renters insurance?
  • How does a renter’s policy protect my personal property?
  • What is a personal umbrella liability policy?
  • How do I know if I need a personal umbrella liability policy?
  • How do I know if I need a personal umbrella liability policy?
By using an independent agent like Harry A Snyder Agency to purchase insurance, the policyholder receives more personal service and a potentially better deal and coverage. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. Harry A. Snyder insurance agents are able to deliver quality insurance with competitive pricing and local personalized service.
Insurance protects your assets and allows you to purchase such high value items as a car or a home by insuring the collateral on behalf of the financial institution that lent you the money. Insurance will also provide financial security for you, your business or your family. Health Insurance covers health care services for you and your family.
When you apply for an insurance policy, you will be asked a number of questions. The agent might ask you your name, age, gender, address, etc. In addition, you will be asked a number of other questions which will be used to determine how likely you are to make a claim. Insurance companies have different programs for different customers. Adults with good driving records will generally pay less for auto insurance than will a young driver with traffic tickets. In order to determine which program you qualify for, an insurance company needs basic information about you.
Collision is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage.
Comprehensive provides coverage for most other direct physical damage losses you could incur, including theft. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage.
A number of factors can affect the cost of your automobile insurance. Some of which you can control and some that are beyond your control. The type of car you drive, the purpose the car serves, your driving record, and where the car is garaged can all affect how much your automobile insurance will cost you.
The typical homeowners policy has two main sections: Section I covers the property of the insured and Section II provides personal liability coverage for the insured. Almost anyone who owns or leases property has a need for this type of insurance. Usually, homeowners insurance is required by the bank or financial lender to obtain a mortgage.
There are a number of factors you should consider when purchasing any product or service, and insurance is no different. To learn more about what to consider when purchasing home owners insurance, please contact our agency.
Personal property is covered anywhere in the world. For example, suppose that while traveling, you purchased a piece of furniture and you want to ship it home. Your homeowner’s policy would provide coverage while the furniture is being shipped, even though the dresser has never been in your home before.
There are several important factors to consider:
• Your income sources
• Whether or not you are married and, if so, what is your spouse’s earning capacity
• The number of individuals who are financially dependent upon you
• The amount of death benefits payable from Social Security and from an employer-sponsored life insurance plan
• Whether any special life insurance needs exist
As independent agents, we will help you avoid buying too much, show you options for coverage and recommend a company that will meet your needs.
If you live in an apartment or a rented house, renters insurance provides important coverage for both you and your possessions. A standard renter’s policy protects your personal property in many cases of theft or damage and may pay for temporary living expenses if your rental is damaged. It can also shield you from personal liability. Anyone who leases a house or apartment should consider this type of coverage
A renters policy provides named perils coverage. This means that the policy only pays when your property is damaged or destroyed by any of the ways specifically described in the policy. Renters coverage applies to your personal property no matter where you are in the world. This means you’re covered when you are on vacation as well as at home.
The personal umbrella liability policy is designed to increase your liability protection. This single policy acts as an “umbrella” over all of your other personal liability policies covering home, auto, boat, RV, etc. So you have a higher personal liability limit than what would otherwise be available. In certain circumstances, an umbrella policy may provide personal liability coverage that is otherwise excluded from your other policies. For example, an umbrella policy provides coverage anywhere in the world, whereas your auto policy usually provides coverage in the US and Canada.
It used to be that the only people who needed personal umbrella liability policies were wealthy individuals who had sizable amounts of personal assets that would be at risk in a lawsuit. However, in our very litigious society, even individuals with modest incomes and assets are often subjects of large lawsuits. Since they are even less able than a wealthy individual to pay large damage awards, they recognize the need to have coverage limits greater than what can be obtained from their homeowner or auto policies.