The capital of the United States, Washington, D.C. is a city that is constantly on the go. It is home to more than 600,000 residents as well as all three branches of the U.S. government. While its metropolitan area includes residents in neighboring Maryland and Virginia, the city is not part of any of the U.S. states. In Washington, D.C., you can find several Trusted Choice® agents who are ready to help you protect your assets against many of the financially devastating hazards you may face.
Each of these independent insurance agents can save you time and money by making it easy to compare the coverage options and rates offered by several competing insurance companies. Contact a local Trusted Choice agent to learn more about your options when it comes to car, home, life, health, business, boat, and many other Washington, D.C. insurance policies. You can soon start comparing quotes for the policies you need.
When you are looking for an insurance agent to help you get coverage for your various needs, you may wonder what differentiates an independent agent from a captive agent. Captive agents work for a single insurance company and are obligated to sell you products and services that are offered only by that company. Independent agents, on the other hand, can work with several different insurance providers in order to find the insurance coverage you need at competitive price. While captive agents work for an insurance company, independent agents work for you.
An independent insurance agent in the Trusted Choice network can help you compare Washington, D.C. insurance quotes for policies that have been designed specifically to meet your coverage needs. Best of all, even if each of the policies you choose comes from a different company, your agent can serve as your contact person for all of them.
There are a lot of drivers on D.C.’s roadways, so it is not surprising that the collision rate in this city is high. In 2013 alone, there were 19,456 traffic accidents. Of these 5,358 resulted in injuries, and 14,069 caused property damage only. Twenty-nine of these collisions resulted in fatalities.
Driving can be risky, and if you are responsible for a collision, your liability costs can be high. That is why all states and the District of Columbia require that motorists carry certain amounts of car insurance coverage. The law mandates that all car-owning citizens in this city have Washington D.C. auto insurance that meets or exceeds the following requirements:
While D.C.’s minimum requirements for liability insurance may be sufficient to fully cover you if you are responsible for typical car accident that involves minor injuries. However, if you cause a collision that results in injuries that require excessive medical treatment, or worse, a fatality, your liability costs can skyrocket. Any amount that exceeds your coverage limits will need to come out of your pocket. That is why many insurance professionals and financial advisors recommend purchasing coverage with higher liability limits. Other coverage that your insurer will offer include:
In 2015, Washington, D.C. had a homeownership rate of approximately 40.4 percent. If you are one of the local residents who has set down roots in this city by purchasing a home, you need to make sure you have homeowners insurance that will cover you against the hazards you are likely to face. A standard Washington, D.C. home insurance policy provides coverage for:
Your homeowners policy is designed to cover damages caused by fire, strong winds, hail, and property crimes. It does not cover certain catastrophes like earthquakes and floods. Your Trusted Choice agent can help you supplement your policy with suitable coverage against the hazards you face.
While government jobs dominate the economy in Washington, D.C., this city is home to more than 66,000 small businesses that employ about 230,000 people. Whether you own a larger business with several employees or you are an independent contractor working alone, it is a good idea to protect your business from losses related to liability and property damage by purchasing the right kinds of business insurance.
If you are one of this city’s many small business owners, an independent agent can help you build a Washington, D.C. business insurance portfolio that is suited to your particular business. Some coverage types you can discuss with your agent include:
Trusted Choice agents write more business policies than any other brand. A local agent can help you build a comprehensive portfolio that comes at a great price so you get the most value for your money.
Nobody likes to talk about it, but life insurance is an important policy to have, particularly if you have people who are financially dependent on you. A suitable policy can provide for your family if you should happen to pass away suddenly and unexpectedly. There are different types of life insurance that you can discuss with your independent insurance agent. You can choose between:
Your Trusted Choice agent can be a wonderful resource when you are trying to determine which type of life insurance is best for you and your family.
Many people get health insurance through their employers, but for those who don’t, purchasing a policy can be confusing. The Affordable Care Act (ACA) has made buying health insurance on your own more affordable than ever, but navigating through your many options can leave you with more questions than answers.
An independent insurance agent in the Trusted Choice network can help you understand the coverage offered by policies on the healthcare exchange and the private market so that you can find the coverage that is best suited to meet the needs of you and your family. They can also give you advice about setting up an HSA (Health Savings Account) and help you determine whether an HMO or PPO might make a good option. Learn more by talking to a local agent today.
Since 1950, residents of Washington, D.C. have experienced 675 floods. These overflow events can cause significant levels of property damage to area homeowners. What many find out too late is that home insurance policies specifically exclude coverage for damages caused by floods.
To get coverage, you must supplement your home policy with flood insurance through the NFIP. Despite the availability and affordability of these policies, only about 2,100 homeowners in Washington D.C. carry this coverage. Consider this: in 2015 alone, 231 D.C. policy holders filed flood insurance claims and the received at total of $3,364,850.26 in compensation. That averages to about $14,500 per claim.
Don’t get caught holding the bag if your home is flooded. Make sure to speak to your Trusted Choice agent about purchasing a flood insurance policy for your home or business.
Now District of Columbia residents can easily get quotes for any kind of coverage they need. One of the many local Trusted Choice member agents can help you find the right car, home, business, life, health, boat, or any other type of Washington, D.C. insurance.
Contact an agent near you to learn more about your coverage options and get answers to your insurance related questions. Discover how allowing a Trusted Choice agent to help you compare Washington, D.C. insurance quotes can save you time and money.