Samuel LaMar
An Agent You Can Trust

The general rule is 10-15 times your annual income, but your specific needs depend on your debts, dependents, and financial goals. I'll help you calculate the exact amount based on your mortgage, children's education costs, and your family's lifestyle needs.

Yes! Many insurers now offer simplified issue and guaranteed acceptance policies. Depending on your age, health, and coverage amount, you might qualify for instant approval with just a few health questions.

It depends on your goals. Term life is ideal for temporary needs (like protecting a mortgage or young children) and costs less. Whole life provides permanent protection with cash value, perfect for estate planning and lifetime coverage needs.

HMO plans typically cost less but require you to choose a primary care physician and get referrals for specialists. PPO plans offer more flexibility to see any doctor and don't require referrals, but usually have higher premiums and deductibles.

Your deductible is what you pay before insurance kicks in. Your out-of-pocket maximum is the most you'll pay in a year for covered services. Once you reach that limit, your insurance pays 100% of covered costs for the rest of the year.

Your rates depend on your driving record, age, vehicle type, location, credit score, and coverage choices. Safe drivers with good credit typically get better rates. I can help you find discounts for bundling, safe driving, and other qualifications.

If you have a car loan or lease, full coverage is typically required. For paid-off vehicles, consider the car's value. Full coverage protects your investment, while liability-only covers damages you cause to others but not your own vehicle.

Homeowners insurance covers your home's structure, personal belongings, liability protection, and additional living expenses if you're displaced. It typically protects against fire, wind, hail, theft, and vandalism, but usually excludes floods and earthquakes.

Yes, standard homeowners policies don't cover flooding. If you live in a flood-prone area or want comprehensive protection, you'll need separate flood insurance through FEMA's National Flood Insurance Program or private insurers.

Replacement cost pays to rebuild or replace your home and belongings at today's prices without deducting for depreciation. Actual cash value pays replacement cost minus depreciation, giving you less money for older items.

A BOP combines general liability and commercial property insurance into one package, often at a lower cost than buying separate policies. It's designed for small to medium businesses and typically includes business interruption coverage.

If you have employees, workers' comp is required by law in most states. It covers medical expenses and lost wages for work-related injuries or illnesses, and protects your business from employee lawsuits related to workplace injuries.

Professional liability (errors & omissions) insurance protects your business against claims of professional mistakes, negligence, or failure to deliver promised services. It's essential for consultants, contractors, and service-based businesses.

Coverage needs vary by industry, business size, and risk exposure. Consider your property value, revenue, number of employees, and potential liability risks. I'll help assess your specific needs and recommend appropriate coverage limits.