Get Detailed Quote 
We can provide you with same day coverage.
We have years of insurance experience helping clients prepare for the unknown.
We provide insurance coverage at the most competitive rates, ensuring you get the best protection against unforeseen eventualities. Our financial experts will assess your insurance needs before recommending the ideal policy.
We strive to ensure our clients get the appropriate protection by providing insurance for home, auto, flood, fire, theft, and business.
Our personalized coverage options provide the ultimate protection against financial liability.
Frequently Asked Questions
Do You Have Questions?
Frequently Asked Questions
Check our FAQs for quick answers to frequently asked questions we receive. If you don't see a question, feel free to give us a call!
- What to do in the event of an accident
-
In the event of any accident, prioritize safety by moving to a secure location. Check for injuries and call emergency services if needed. Document the scene with photos and notes, and exchange contact and insurance information with others involved. Report the incident to the authorities, if necessary, then notify your insurance company to start the claims process. Keep records of medical treatments, repairs, and communications, and consider legal advice if disputes arise
- Why do I need an insurance agent?
-
An agent can help advice and guide you towards making an informed decision about your specific insurance problem
- What factors affect my insurance rates?
-
Insurance rates can be influenced by several factors including the type of insurance, coverage limits, your location, the value of the insured item, your claims history, and personal risk factors.
- Are there discounts available on insurance policies?
-
Yes, we offer various discounts depending on the type of insurance and your situation. Contact us to learn more about available discounts and how you might qualify.
- What is a deductible?
-
A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.
- How do I file a claim?
-
To file a claim, contact us for any questions you may have, then contact your carrier directly as soon as possible with details about the incident. They’ll guide you through the process and ensure that your claim is processed efficiently.
- How long does it take to process a claim?
-
The processing time for a claim can vary based on the complexity and the type of claim. We strive to handle claims as efficiently as possible and will keep you updated throughout the process.
- What should I do if I need to update my policy?
-
On the mobile app or web app of your carrier, you can log in and submit a change, you may also contact the agency to process the change on your behalf. Also, you can contact the carrier directly to make changes.
- Can I add my spouse to my auto policy?
-
Yes, adding your spouse to your auto policy can lower overall costs. Combining policies for multiple vehicles often leads to discounts. Many insurers, including Top Grade Insurance, offer exclusive rates for multi-vehicle households.
- What is replacement cost coverage?
-
Replacement cost coverage protects your belongings against loss or damage, ensuring you receive a fair amount for replacements. Unlike actual cash value, which accounts for depreciation, replacement cost coverage provides a payout that reflects the current cost to replace lost items.