A Conversation With My Home & Auto Insurance Guy

I recently had a conversation with my home and auto insurance guy, Jerry Pascale, with Elite Insurance Services, here in Omaha.  He is an independent insurance agent.  This means he has access to coverage with numerous insurance companies so he can shop for the best coverage and rates for his clients.


Jerry shared that several of their insurance companies do well with the 65+ age clients.  “Auto Owners  likes this sector of the market enough that they have found a good niche with very competitive rates for seniors, especially for those with good credit scores.  In addition, they offer a paid in full discount for those that can pay the policy term premium in full, with a credit card or check.”  Auto Owners is rated A++ for financial strength and they have local claims service for which they have won JD Powers awards.  You may have seen them advertise on the Big 10 Network.


Jerry also talked about something I hadn’t heard of.  “Here is a coverage that few are aware of, which can cover a significant loss exposure to you.  It’s called Service Line Coverage and it can be a nice addition to your homeowner’s policy with Auto Owners.  It pays claims when the pipe in your home, out to the city sewer near the street, goes bad or is damaged and needs to be replaced.  This repair can cost in the range of $4,000 to $5500 for a plumber to repair.  Damage to the pipe can be due to age and deterioration or due to tree roots invading the pipe, causing it to leak.  Homes that are not newer are especially prone to this risk.  The Service Line Coverage is an optional add on that is very reasonably priced and very few companies offer it.”


Elite Insurance Services has a 5 Star Google review rating.  They have long term employees that care and provide good service.  ( I can attest to that)  Elite Insurance and its predecessor name, Johnston Insurance Inc. (same employees) has been in business since 1953.


If you would like Elite Insurance Services to review your present coverage and provide a quotation, please call Jerry Pascale at 402-691-8118 or email him at Jerry@eliteins4u.com.   When quoting, Jerry is usually able to find, on average, two items of value that either provide a savings, reveal a coverage need that is not insured or coverage that is not needed; providing premium savings.  Let him know if they can be of service.


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