ARRAY Auto/Home/Commercial Insurance

We are licensed professionals who work as an intermediary between you and insurance companies. We provide you with advice on various insurance products, help you to assess your risks, and find the insurance policies that best meet your needs.. We specifically work for our clients, not for the insurance companies and have a duty to act in the best interests of our clients.

An exclusive advantage of working with us allows you to a wider range of insurance products from multiple insurance companies. We will  compare policies from different providers to find the one that offers the best fit for your specific needs. We also help you to navigate complex insurance policies and explain the details of the coverage, including any limitations or exclusions. 

In summary, working with us can save you time and money, providing you with expert advice, and help you to find the right insurance coverage for your needs.

By following these tips, you can potentially lower your insurance premium and save money without sacrificing the coverage you need. Be sure to speak with your insurance broker to see what will work specifically for you.

1. Increase your deductible: A higher deductible means you'll pay more out of pocket if you have a claim, but it can also lower your premium.
2. Bundle your policies: If you have multiple insurance policies, such as auto and home insurance, you can often save money by bundling them with the same provider.
3. Maintain a good credit score: Insurance companies often use your credit score as a factor in determining your premium, so maintaining a good credit score can help you qualify for lower rates.
4. Let us shop the market for you. Don't settle for the insurance policy you already have.   We will  compare rates and coverages from multiple providers to ensure you're getting the best deal.
5. Drive safely: Your driving record is a key factor in determining your auto insurance premium. Maintaining a clean driving record can help you qualify for lower rates.
6. Take advantage of discounts: Many insurance companies offer discounts for various factors such as good driving, safe home features, or multiple policies.
7. Consider a lower-risk car: Cars that are less expensive to repair or replace, and that have lower theft rates, can qualify for lower auto insurance premiums.
8. Install safety features: Adding safety features such as anti-theft devices can reduce your insurance premium.
9. Review your coverages with us every 2-3 years: As your rates change, your insurance needs may also change. Reviewing your coverage regularly with us can help ensure you're not paying for coverage you don't need.

A deductible is the amount of money you must pay out of pocket before your insurance policy begins to cover the cost of a claim. For example, if you have a $500 deductible on your car insurance policy and you are in an accident that causes $1,000 in damage, you would be responsible for paying the first $500, and your insurance company would pay the remaining $500.

Deductibles are a common feature of many insurance policies, including auto insurance, homeowners insurance, and commercial insurance. Typically, the higher the deductible you choose, the lower your insurance premium will be. This is because a higher deductible means that you are assuming more of the financial risk, which lowers the risk to the insurance company.

Choosing the right deductible for your needs is an important decision, as it affects the cost of your insurance premiums and the out-of-pocket expenses you may face if you have to file a claim. A higher deductible may be a good choice if you have a strong financial cushion and can afford to pay a larger portion of a claim out of pocket. However, if you don't have much in savings, a lower deductible may be a better choice to ensure you can afford to pay for any necessary repairs or medical bills in the event of an accident or other covered event.

Homeowners insurance is a type of insurance policy that protects your home and personal property against damage or loss. Here are some of the most common types of coverages that are included in a standard homeowners insurance policy:

1. Dwelling coverage: This covers the physical structure of your home and any attached structures, such as a garage or porch.
2. Personal property coverage: This covers the belongings inside your home, such as furniture, clothing, and appliances.
3. Liability coverage: This protects you if someone is injured on your property.
4. Additional living expenses: This covers the cost of living if your home is damaged and becomes temporarily uninhabitable.
5. Medical payments: This covers medical expenses for someone who is injured on your property, regardless of who was at fault.

It's important to note that every homeowners insurance policy is different, and the coverage and limits can vary depending on the policy and the insurance company. Some policies may also offer additional coverage options (endorsements), such as foundation water damage, water backup and seepage & leakage that may need to be added to the policy.

To determine the right coverage for your needs, it's important to review your policy and speak with us to make sure you have the appropriate coverage for your home and personal belongings.

There is no one "best" auto insurance policy that is suitable for everyone, as the coverage and premium that you need depends on your individual situation, budget, and driving habits. However, when choosing an auto insurance policy, it is important to consider the following factors:

1. Coverage options: Make sure the policy you choose provides the coverage you need, such as liability coverage, collision coverage, and comprehensive coverage.
2. Deductible: Choose a deductible that you can afford to pay out of pocket in the event of an accident.
3. Premium: Compare premiums from different insurance companies and choose a policy that fits your budget.
4. Discounts: Look for discounts that you may be eligible for, such as safe driver discounts or multi-policy discounts.

Ultimately, the best auto insurance policy for you will depend on your unique circumstances and needs. It's important to let us shop the market and we will compare policies from different insurance companies to find you the best coverage and premium for your budget.

Commercial insurance is a type of insurance coverage that protects businesses from financial losses due to unexpected events or risks. It typically includes a variety of coverage options, depending on the needs of the business, such as:

1. General liability insurance: This covers a business against claims of bodily injury or property damage caused to third parties.
2. Property insurance: This covers a business's property, such as buildings, equipment, and inventory, against damage or loss due to fire, theft, or other covered events.
3. Business interruption insurance: This covers lost income and expenses incurred when a business is unable to operate due to a covered event, such as a natural disaster or equipment failure.
4. Workers' compensation insurance: This provides coverage for medical expenses and lost wages for employees who are injured on the job.
5. Professional liability insurance: This protects professionals against claims of negligence or errors and omissions related to their professional services.
6. Cyber liability insurance: This covers a business against losses due to cyber-attacks, data breaches, and other cyber-related risks.

Whether or not a business needs insurance depends on several factors, including the type of business, the industry, the size of the business, and the level of risk involved. Generally speaking, if a business has employees, interacts with customers or clients, or has any physical property, it is recommended that the business carries some form of insurance coverage.

Commercial insurance can provide peace of mind and protect a business from financial losses that could be devastating without coverage. It's important to work with us to determine the appropriate coverage for your specific business needs.