Frequently Asked Questions
- What makes your insurance agency better than others in the area?
- Can I still save money if my insurance needs haven't changed?
- Is it important to have my homeowner’s policy reviewed?
- My child is going to college what should I do for insurance?
- What changes do I need to make to my insurance policy, now that my teen is driving?
- What can I do to lower my rates?
- How do I know if I have enough insurance on my house?
- Why is my home insured for more than what I could ever sell it for?
- What is Liability insurance and what does it do for me?
Unlike many agencies, Christie Insurance helps you find the right insurance among the many insurance companies we work with ... In fact, we offer among the widest selection of carriers in South East Minnesota , giving you the best possible fit for your insurance needs.
Christie Insurance can often save you money by customizing an insurance package to your needs.
At Christie Insurance Agency we believe in taking the time to look over your current policy to see if there are any areas that need to be changed.
If your child is at college, they can still be on your policy, this is gives you a lot better rate than if they were on their own policy. Another option, if they are at college and they didn’t take their car with them, is to note on your policy, "student away at college". This leaves them on the policy but rates it accordingly.
They need to be added to your policy. We can also make sure than you are going through the best insurance carrier now that you have a new driver. We can also help you make use of various student discounts available through some carriers, such as good student or special teen driving packages.
Let us look over your current policy, we can then find the insurance carrier that can offer you the best coverage and rates for your needs. Since rates and needs change, it's good to have us review your policy and needs and a regular basis. You are important to us, so, let us help you get the best prices and coverage.
We do a cost estimate on the home this give us the replacement cost of the home.
There are three different costs to value your home. The first is the value is market value, the value you would sell your home for. The second is what value you home is taxed for. These to value should be somewhat close in value, because there are both based on the market. The third value is replacement cost, replacement cost is the value of your home that we insure it for. When the economy is like it is today the replacement cost is higher than the other two values. This is because replacement cost is what it would take to rebuild your home. Today you cannot sell your home for what it would take to rebuild it.
Liability insurance protect against lawsuits. For example, you have liability insurance on your auto policy. If you were in a car accident and you were found at fault (Liable) you have to pay for the other people that were injured along with the property that was damaged (all other autos and any other property like street signs, homes, trees, phone poles…). As you can imagine this adds up fast. If the total goes over your limit of liability you have to pay for the rest. They can even garnish our wages until they get the rest of the money.