Fassbender Insurance Agency | Bay St. Louis, MS
For all Your Insurance Needs, Homeowner’s, Auto, Flood, Commercial, more!
At Fassbender Insurance Agency – We are your insurance BROKER, not just your AGENT.
Are your rates too high?
Trouble finding insurance in hard to cover areas?
Fassbender’s insurance company is an independent agent that can help you find the best insurance solution for your needs and at the best price we can find for you. We are not tied to any particular company. We work for you!!
Fassbender Home Insurance Agency – We Help You Even in Hard to Cover Areas!
Why do you Need Home or Renters Insurance
If your house was ruined, who would replace all of the belongings you’ve worked so diligently to get? Lots of people are urgent in considering household photos and other keepsakes, however what about functional products such as furniture, garments and even dishes and pots and pans? Replacing all of these things could become costly very rapidly. Property owners and also renters insurance can help keep these expenditures from monetarily crippling you and your family.
What Does Homeowners Insurance Cover?
A Home Insurance Policy covers your home and personal belongings against loss or damage from covered hazards. This policy will pay to repair, rebuild, or replace your damaged or lost property.
Covered hazards include, but are not limited to:
- Vandalism or malicious mischief
- Hurricane/wind (not flood)
- Damage from vehicles and aircraft
- Riots or civil commotion
- Glass breakage
What Does Renter’s Insurance Cover?
A renters insurance policy often includes coverage for liability, protection for your belongings as well as coverage for additional living expenses, if your home becomes uninhabitable.
Do you need renter’s insurance? Answer these questions to help you make that assessment. How much are my belongings worth? Could I afford to buy it all back again (or at least the necessary items) if it were destroyed or stolen? What would I do in the event of a liability lawsuit against me?
Call us at (228) 265-5885
Fassbender Auto Insurance Agency – We Help You Get the Best Rate for Your Situation!
What is the Best Car Insurance For You?
Each state requires that you prove that you have financial responsibility before you can get or renew a driver’s license or obtain vehicle registration and inspection certificates. Proof of liability insurance is the minimum indication of financial responsibility. You may choose to get additional insurance to protect yourself and your car from under or uninsured drivers.
At Fassbender Insurance, we will work with you to help you determine your best coverage options.
Here are things you can do to reduce your overall cost of insurance.
- Maintain good credit. Regularly check your credit score since a low score may impact your premium.
- Set the right deductable. Could be a gamble to raise your deductible, but a higher deductible reduces your premium. You’ll have to pay more out of pocket in the event of an accident however.
- Report reduced mileage.
- Take advantage of discounts. Age, marriage, safe driving record, driving courses, teenage driver discounts.
Ask us about Classic Car Insurance, ATV Insurance, Temporary Car Insurance!
Call us at (228) 265-5885
Do I Need Flood Insurance?
First of all, home insurance generally does not cover damages in the case of flooding. And as has been evidenced in 2017, flooding can occur almost anywhere. There are many weather events that may result in flooding from severe thunderstorms, hurricanes, to slow moving weather systems. If you are in a high risk area, then the answer is yes. In this case, it is likely that your mortgage company will require you to have flood insurance. But even in areas that are at a lower risk for flooding, you still have some risk, so it depends on your personal situation.
What are the Flood Insurance Rates
The cost of flood insurance depends on a number of variables. These include the flood risk for your property, how much insurance you purchase, and how much the policy covers.
Or Call Fassbender Insurance (228) 265-5885 For More Assistance
Business Insurance for your Bay St. Louis Business
We understand that narrow operating margins, unforeseen expenses, property damage or customer accidents can seriously jeopardize your business. We want to help you minimize your liability while keeping your business costs consistent. We have a variety of insurance products for businesses, and will work with you to compile the best set of plans for YOUR business.
What should Commercial Insurance cover?
There are three main areas that businesses should ensure that they are covered.
- Business Liability Insurance
- Business Interruption
- Property Coverage
General Liability Insurance for Your Business
Protects you from claims that your business caused harm to another person or business. This includes acts by your employees.
When disaster strikes, either big disasters like hurricanes or floods, or personal disasters that keep you from continuing operation, you will need help in keeping things afloat while you recover.
There are many options for property coverage for your business. The amount you cover can include the buildings only or the buildings and content. You can insure these assets for any risk, or for only certain hazards.
There are a multitude of other options for business insurance including worker’s compensation, commercial vehicle insurance, contractors insurance, and more.
Call Fassbender Insurance at(228) 265-5885
Fassbender Insurance Agency Mississipi
311 Reese St.
Bay St.Louis, MS 39520