Gellor Insurance in Port Angeles & Sequim, WA works hard to deliver the best insurance policy options to our clients. We are licensed in Washington, Oregon, and Arizona, and we can help you, your family, and your business cover all the bases from unforeseen troubles. We are family friendly and committed to excellent customer service. We invite you to see why our clients have been coming to us for four generations.
FAQs
Auto Insurance Questions
What factors can affect the cost of my automobile insurance?
A few factors, including the type of drive you drive, your driving record, the purpose for driving your car, and where you keep your vehicle are all taken into account. Your credit score and your marital status can impact the cost as well.
What is the difference between collision physical damage coverage and comprehensive physical damage coverage?
Collision insurance covers losses incurred from when your vehicle crashes into another car. Conversely, comprehensive insurance provides coverage for other physical damages not resulting from a collision, including theft and storm damage.
Homeowners Insurance Questions
What does homeowners insurance cover?
Homeowners insurance covers two main sections. Section I provides coverage for the property, while Section II covers personal liability for the insured. This insurance is required by the lender to obtain a mortgage.
What is the difference between "actual cash value" and "replacement cost"?
When purchasing homeowners insurance, knowing the difference between “actual cash value” and “replacement cost” is important. The “actual cash value” the policyowner is entitled to the depreciated value of the damaged property. The “replacement cost” the policyowner is given the necessary amount to replace the property with one of similar type and quality at current prices.
Life Insurance Questions
How much life insurance should I own?
There are many factors at play here, each of which you should consider before purchasing a life insurance policy.
- Income sources (and amounts) other than salary/earnings
- Whether or not you are married and, if so, what is your spouse’s earning capacity
- The number of individuals who are financially dependent upon you
- The amount of death benefits payable from Social Security and from an employer-sponsored life insurance plan
- Whether any special life insurance needs exist (e.g., mortgage repayment, education fund, estate planning need, etc.)
After considering these questions, we will help you choose an amount based on your answers.
Should term insurance or cash value life insurance be purchased?
Each situation is different, and this particular question lends itself to working with one of our agents to help you identify the best fit. Some important factors to consider: Your tax bracket, your need for short-term or long-term coverage, and the rate of return on alternative investments possessing smaller risk.
Carrier Claim Contact Information
Safeco Insurance Co. of America
800-332-3226
Ace Marine Insurance
800-433-0385
American Bankers
800-358-0600
CBIC
Washington & Oregon: 800-765-2242
All Other States: 800-788-3006
CNA Surety
800-331-6053
Condon & Skelley
800-257-9496
Dairyland Insurance Co.
715-346-9200
Encompass Insurance
800-588-7400
Fireman’s Fund
888-347-3428
Foremost
800-333-7276
Genworth Financial
888-436-9678
GeoVera
800-785-2181
Hagerty
800-922-4050
Hartford Insurance
Personal: 800-243-5860
Business: 800-327-3636
John Hancock
800-387-2747
Kemper Insurance Co.
Call your agent
Liberty Northwest
877-542-6978
Lifewise of Washington
800-592-6804
Mutual of Enumclaw
Weekdays: 877-425-2580
(7:00 AM – 5:00 PM, PST)
Evenings and Weekends:
866-924-3036
National Flood Insurance Program
888-379-9531
Premera Blue Cross
Washington: 800-722-1471
Alaska: 800-508-4722
Premier Marine
800-589-4208
Progressive
800-776-4737
Progressive Commercial
800-274-4499
Regence Blue Shield
800-365-3155
RLI Surety
800-444-0406
Superior Underwriters
800-782-8699
Symetra
800-796-3872
Unitrin
888-253-7834
Unum
866-679-3054
Viking Insurance
800-334-0090
Zurich
800-987-3373