Let LaForce Be With You
Join us for our 3rd Annual May LaForce Celebration on May 2nd from 10am-1pm at our office, 525 W Lamar Alexander Pkwy! Chuck’s Concessions will be onsite for lunch.
Find answers to common insurance questions in our comprehensive FAQ section and stay updated with the latest news from LaForce Insurance Agency.
Find answers to common insurance questions in our comprehensive FAQ section and stay updated with the latest news from LaForce Insurance Agency.
Homeowners insurance typically covers damage to your home, personal belongings, and other structures on your property due to events like fire, theft, or weather-related incidents. It may also include liability protection for accidents that occur on your property.
Standard homeowners insurance policies do not typically cover floods or earthquakes. Separate policies or endorsements may be required to protect against these risks.
The cost depends on factors such as the value of your home, location, coverage limits, deductible, claims history, and additional coverage options you choose.
Replacement cost covers the cost to repair or replace your property without deducting depreciation.
Actual cash value considers depreciation and provides coverage for the current value of the item or structure.
While not required by law, having homeowners insurance is highly recommended to protect your investment and personal belongings.
Common types include:
Factors include your age, driving history, location, vehicle make/model, usage, and chosen coverage levels.
Yes. Even if you drive infrequently, accidents can happen. Additionally, most states require a minimum level of liability insurance.
This is a complicated question. Many policies extend coverage to rental cars, but it’s a good idea to confirm with your agent.
Term Life Insurance: Provides coverage for a set period (e.g., 10, 20, or 30 years) and pays a death benefit if the policyholder passes away during that time.
Whole Life Insurance: Offers lifelong coverage and includes a cash value component that grows over time.
Coverage depends on factors like your income, debts, dependents, and future financial goals. Many experts recommend 10–12 times your annual income as a starting point.
Yes. Purchasing life insurance early often means lower premiums. It also ensures financial protection for your loved ones in case of unexpected events.
Yes, you can have multiple policies if they serve different purposes (e.g., a term policy for mortgage coverage and a whole life policy for legacy planning).
Yes, in certain situations, you can lock in an insurance rate, but the specifics depend on the type of insurance and the provider. For example, certain medical diagnosis may make you ineligible for most life insurance policies by locking in, you safeguard against this.
For term policies: Coverage typically lapses.
For whole life policies: You may lose coverage, but the cash value could cover premiums temporarily.
Join us for our 3rd Annual May LaForce Celebration on May 2nd from 10am-1pm at our office, 525 W Lamar Alexander Pkwy! Chuck’s Concessions will be onsite for lunch.
Can you afford an unexpected visit to the vet? Unexpected vet bills can be stressful, but with Embrace cat and dog insurance you don’t have to choose between your pet and your savings. Call one of our agents to learn more.
Hagerty protects the cars that people love. From Antique Cars and Motorcycles to Race Cars and Custom Imports, if you love cars you belong with Hagerty. Contact us for more information.
No matter your assets, one legal judgment could put all you have at risk. A Personal Umbrella Policy, or PUP, can provide additional protection.
