Skip to content
June 16, 2015 / roqueagency

Homeowners Cancelled for Claims by State Farm

We want to extend a warm welcome to our newest client family, Neil & Dana G.  Neil & Dana came to us from State Farm once they were notified of their Non-Renewal for Homeowner’s Insurance.  You see, Neil & Dana had experienced one water and one weather claim in the last three years.  They sought our help in hopes they too could “Get More Than You’re Already Paying For.

Well, after careful review of their coverage and claims, with the help of our friends at Encompass Insurance we were able to:

Encompass Insurance

  • Triple the strength of their Auto Liability (lawsuit protection) and Uninsured Motorist (TN ranks 4th in the US) coverage
  • Broaden the perils and limits covered under their Homeowner’s policy
  • Increase their dwelling coverage by $96,000 (45% more than their prior policy) to ensure they could fully rebuild following a total loss
  • Cut their overall annual premiums by several dollars, but more importantly, stay protected

Welcome to our Client Family, Neil & Dana.  We’re most honored you’ve chosen our agency to protect your assets and financial security.  It goes without saying, but please let us know if you ever have questions about your coverage.

If you are, or know someone who’s being cancelled, under protected or neglected by their Homeowner’s Insurance carrier, please feel free to share what you’ve read here.  We take personal pride in caring for our client family.  Stay safe always!

Google+Luis Roque is a local Independent Agent who strives to help you to “Be Protected, Not Surprised. Get More Than You’re Already Paying For.”
Roque Agency Insurance is located at…

150 Uptown Square, Suite C
Murfreesboro, TN 37129.

Or click here to call us at (615) 582-3382

June 1, 2015 / roqueagency

Insuring Your Home on Sesame Street

Do you remember the Sesame Street song, “One of these things is not like the other”?  Well, when it comes to insuring your home, “One of these homes is not like the other. Three of these home just aren’t the same.”  Following the Good Friday tornadic EF4 monster that ripped through Murfreesboro back in 2009, which of these homes was insured for Extended Replacement Cost and which ones weren’t?

MISSING HOME 5 MISSING HOME 4Client Yard Sign HARRISMISSING HOME 2

So, take some advise from Big Bird and check your Homeowner’s Insurance and make sure your home protected to Full Replacement Value so you’ll have sufficient coverage to rebuild should your home happen to fall to the destruction of fire or tornado. Be protected, not surprised. We’ll help you get more than you’re ALREADY paying for!

Google+Luis Roque is a local Independent Agent who strives to help you to “Be Protected, Not Surprised. Get More Than You’re Already Paying For.”
Roque Agency Insurance is located at…

150 Uptown Square, Suite C
Murfreesboro, TN 37129.

Or click here to call us at (615) 582-3382

April 24, 2015 / roqueagency

We lost a Client for a lower premium, but guess what else?

We were surprised last week to receive a “Request to Cancel” from one of our auto insurance policy clients of two years.  They’d always owned an older vehicle and carried Liability, Med Pay and Uninsured Motorist limits of 250/500. Nevertheless, they were one of our earlier clients and part of our client family. Their choice to leave our agency hinged solely on a lower premium they’d found online. Initially, we were disappointed to receive their request until we reviewed their claims history over the two prior years they were clients. We found:

Not a fender bender1-Roadside claim of $57 for a key they’d broken off in their ignition
1-Uninsured Motorist Property Damage claim after a hit and run driver damaged their car (the $466 which was paid for repairs to their car, was pocketed instead)
1-Medical Payment claim after they hit a patch of ice and ran off the road into an embankment. Chiropractor bills (where they worked) for some neck soreness came to $2,347.

At this point, they’d already received more than 2x their total of two years premiums paid back in claims. What we then discovered, was that they’d had an AT FAULT collision with another vehicle just two days prior to cancelling our policy (liability loss paid $2087). We were even more surprised to learn from their new carrier, that they’d accepted that lower premium for lower limits of 50/100 rather than the 250/500 we’d always provided. With an incident history like this, what are your thoughts?  Good decision or not so good? We just hope their choice to ride on 80% less coverage for a few dollars less in monthly premium, doesn’t come back to bite them in the wallet later.

We don’t lose many Clients here at Roque Agency Insurance where we strive to provide premier protection at competitive premiums with unparalleled customer service. Whether you’re a safe driver or an accident looking for a place to happen, you and others should be protected, not surprised. Come see us and we’ll help you get more than you’re already paying for.

Google+Luis Roque is a local Independent Agent who strives to help you to “Be Protected, Not Surprised. Get More Than You’re Already Paying For.”
Roque Agency Insurance is located at…

150 Uptown Square, Suite C
Murfreesboro, TN 37129.

Or click here to call us at (615) 582-3382