51 State Insurance

8888-51State
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8888-51State
Apply Now

How we can help?

General Questions

With years of experience in the insurance industry, our team has the knowledge and expertise to help you make informed decisions about your insurance coverage.

At 51 State Insurance, we offer a wide range of insurance products, including auto, home, trucking, and business insurance.

You can get a quote by visiting our website or by contacting one of our experienced agents at 8888-51State.

Several factors can affect your insurance premium, including your driving record, credit history, age, and the type of coverage you need.
There are several ways to save money on your insurance, such as bundling your policies, increasing your deductible, and taking advantage of discounts.

If you need to file a claim, you can contact your insurance claim department directly, and they’ll guide you through the process.

The time to process a claim can vary depending on the type and severity of the claim. 

You can make changes to your policy by contacting one of our agents, who will guide you through the process and help you make any necessary adjustments.
If you have a question or concern related to your insurance, you can contact our customer service department, and we’ll be happy to assist you.

You can contact us by phone, email, or by visiting our website and filling out a contact form. Our experienced agents are here to help you with all your insurance needs.

Home Insurance Questions

If something has happened, it’s important to reach out to law enforcement if a crime has been committed. Once you’ve done that, get in touch with your insurer to begin the claims process.

Don’t forget to document the incident – take photos or videos and keep any pertinent paperwork such as receipts and bank statements. Unless there’s an emergency situation, you’ll need to wait for your insurer’s approval before repairs can be made.

If you decide to make a claim, you’ll need to pay an excess. That excess is made of two parts: the compulsory excess – set by your insurer – and the voluntary excess – which you choose.

If you’re looking to save on premiums, you could opt for a higher voluntary excess. Just make sure it’s something you can comfortably cover if you ever need to make a claim.

No worries! Most policies will have your phone covered while it’s in the house. If you’re looking to have it protected while you’re out and about, make sure to double check if the policy offers that away from home cover.

If your phone is worth more than the single article limit, you may just need to list it separately on your contents policy.

If you want to make some changes to your home, like building an extension, or doing any major structural renovations like re-plumbing the property, you should let your insurer know before any construction begins.

That way they can accurately assess the risks and make sure you’re covered. Don’t worry, you don’t need to inform them about simpler things like redecorating or fitting a new bathroom or kitchen. So go ahead and make your house your home – just make sure your insurer is in the loop!

Although your home insurance may provide some coverage, make sure you double-check that it will offer sufficient protection for all your business equipment and merchandise.

It’s always a good idea to let your home insurer know if you work from home – you may not need extra coverage, but not informing them could cause problems if you ever need to submit a claim.

Insurers will have a look, but the type of search they use won’t have any negative impact on your credit score.

It’s great that most home insurers cover bicycles as standard, but if you want added protection for your bike, you can opt for an extended policy. This will cover theft or damage to your bike away from home, so you can feel secure when out and about.

If you have a more expensive bicycle, such as one used in racing or competitions, it’s worth considering specialist bicycle insurance.

When you move house, be sure to let your insurance provider know – they can sometimes transfer your policy to your new place for you.

Depending on the difference in your old and new address, there may be a small additional cost. Don’t forget to check if using a professional removal service covers your belongings during the move.

Auto Insurance Questions

The cost of auto insurance can be affected by various factors such as your age, gender, location, driving history, the type of car you drive, and the coverage options you choose.
The amount of auto insurance coverage you need can vary depending on your individual situation. A good rule of thumb is to have enough coverage to protect your assets in case of an accident.
Yes, there are various ways to lower your auto insurance premiums such as raising your deductible, bundling multiple policies, taking advantage of discounts, and maintaining a good driving record.
If you get into an accident, the first priority is to make sure that everyone involved is safe. Then, you should exchange information with the other driver and contact your insurance company to report the accident.
A deductible is the amount you agree to pay out-of-pocket before your insurance coverage kicks in. Choosing a higher deductible can lower your insurance premiums, but it also means you’ll have to pay more if you get into an accident.
Uninsured motorist coverage is a type of insurance that can help protect you if you’re in an accident with a driver who doesn’t have insurance or who doesn’t have enough insurance to cover the damages.
Yes, you can generally cancel your auto insurance policy at any time. However, you may be subject to a cancellation fee, and you’ll need to have another insurance policy in place before you cancel your current policy.
If you need to file an auto insurance claim, you should contact your insurance company as soon as possible to report the claim. You’ll need to provide information about the accident, and you may need to provide documentation such as photos or a police report. Your insurance company will then work with you to process the claim and get you the coverage you need.

Commercial Auto Questions

Commercial auto insurance is a type of insurance policy designed to cover vehicles that are used for business purposes, such as transporting goods, equipment, or people.
Businesses that own or use vehicles for business purposes, including delivery services, contractors, and trucking companies, typically need commercial auto insurance.
Commercial auto insurance can cover a variety of things, including liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, personal injury protection, and hired and non-owned auto coverage.
Factors that can affect the cost of commercial auto insurance include the type of vehicle, how the vehicle is used, the number of vehicles, the driving history of the business and its employees, and the coverage options selected.
Yes, many commercial auto insurance policies offer a range of additional coverage options, such as cargo coverage, roadside assistance, and rental reimbursement.
The amount of coverage you need will depend on the type of vehicles you have, how they are used, and the risks they face. A knowledgeable insurance agent can help you determine the appropriate coverage levels for your business.
If you use your personal auto insurance policy to cover vehicles used for business purposes, you may not be fully covered in the event of an accident. This could leave your business vulnerable to costly damages and legal fees.

We offer flexible policies with a range of coverage options, as well as affordable rates and convenient payment options to make managing your insurance easy and stress-free. Plus, our experienced team of insurance professionals is always available to answer your questions and provide guidance whenever you need it.

Don’t leave your business at risk. Contact us today to learn more about our commercial auto insurance policies and get a free quote. Let us help you protect your business and keep your vehicles on the road with confidence.

Business Insurance Questions

Business insurance can provide protection against a wide range of risks, including liability claims, property damage, cyber attacks, and more.

While not required by law, business insurance is still important for sole proprietors. It can provide protection against liability claims and other risks that could be financially devastating for your business.
The cost of business insurance varies depending on the type and amount of coverage you need, as well as the specific risks associated with your business. It’s important to work with an experienced insurance agent who can help you find the right coverage at a price that fits your budget.
In most states, workers’ compensation insurance is required for businesses that have employees. This type of insurance provides coverage for employees who are injured or become ill as a result of their work.
General liability insurance provides protection against claims of bodily injury, property damage, and other types of third-party liability, while professional liability insurance provides protection against claims of professional negligence or mistakes that result in financial loss for a client or customer.
Cyber liability insurance provides protection against cyber threats such as data breaches, hacking, and other cyber attacks that can result in financial losses, reputational damage, and legal liabilities.
It’s important to work with an experienced insurance agent who can help you assess your business’s insurance needs and determine the types and amount of coverage that are most important for your specific situation.

Yes, many insurance companies offer package policies that bundle different types of coverage together. This can be a cost-effective way to get the protection your business needs.

We understand that business insurance can be complex and overwhelming. Our experienced agents are here to answer your questions and help you find the right insurance coverage for your business. Contact us today to learn more about how we can help protect your business and its future.

Have any question for us?

Don’t wait until it’s too late. Our knowledgeable agents will help you find the coverage that’s right for you, at the price you can afford.