Lewis & Associates makes it easy for you to get the coverage you need, without the high cost. We offer customized, affordable policies designed to protect automobiles, homeowners and renters, so whatever you choose to cover, we’ve got you covered.



Wherever you go, go with confidence – Automotive

Your search for an auto insurance carrier ends here. Lewis & Associates not only offers great prices on excellent policies, but we provide high levels of customer service that can’t be matched by other larger insurance companies. We’ll be there when you need us most.

Not sure what levels of protection you need? We can help.

Coverages include:

•  Liability – Pays others for damages for which you may become legally liable in the instance of an auto accident.
•  Uninsured/Underinsured Motorist – Provides bodily injury coverage for accidents caused by a hit-and-run driver, uninsured, or underinsured driver, which occur when you or your family are driving a covered auto or while you are a pedestrian.
•  Medical Expenses – Pays reasonable medical expenses for you and members of your family if injured in an auto accident or as a pedestrian struck by an auto.
•  Collision – Protects you from losses resulting from damage to your auto due to collision with another object.
•  Comprehensive – Pays for other losses to your auto, including losses caused by fire, theft, vandalism, and more.

Lewis & Associates offers a wide range of discounts and benefits including:
•  Multiple vehicle discount for insuring more than one auto
•  Multi-policy discount for insuring both your home and auto
•  Good student discount for qualifying young drivers
•  Safety discounts for features like airbags and anti-theft devices
•  Occupation discount for school employees, medical personnel, and many more.

Plus, added features and protection that you can choose such as:
•  Accident Forgiveness
•  Deductible Savings
•  New Car Replacement
•  OEM Parts
•  Roadside Assistance.

Savings and benefits with you in mind:
•  Multi-policy discount – policyholders whose automobiles are also insured with the same carrier.
•  Protective devices discount – if you have smoke detectors, local fire and/or burglar alarms, and central station fire and/or burglar alarms.

Protection designed with you in mind – Home

With a homeowner’s insurance policy from Lewis & Associates, you’ll have access to flexible, reasonably priced insurance coverage to meet your unique needs. You’ll get protection for your home and property against common causes of loss such as:
•  Fire or lightning
•  Windstorm and hail
•  Smoke damage
•  Vandalism and malicious mischief
•  Weight of ice, snow or sleet.

Liability Protection
Injury or property damage claims against you or your covered family could put everything you own in jeopardy. Your homeowner’s policy through Lewis & Associates protects you in situations such as:
•  Claims for injury to others on or off the premises
•  Claims for property damage to others
•  Liability defense costs.
Our homeowner’s policies are completely customizable, meaning you’ll get the right coverage at the right price. Regardless of what options you choose, here are some of the important extras you get – at no extra cost:
•  Additional living expense when an insured loss makes your home uninhabitable
•  Reasonable repair costs for necessary repairs to protect your property from further damage after a covered loss.

You can also choose from optional coverage to extend your protection such as:
•  Dwelling replacement cost for your home
•  Full replacement for your personal property
•  Earthquake & Flood (Coverage not available in all states).

Protection where you need it – Renters

Even if you’re not a homeowner, you can still protect your personal belongings from theft, fire and other common causes of loss. Renters’ insurance is a great way to protect everything you own easily and affordably.

What a renters policy covers:
•  Personal property – includes things like your clothes, bed, DVD collection and more
•  Temporary living expenses due to a covered loss (actual loss sustained)
•  Liability coverage – in case someone gets hurt and you’re responsible
•  Medical payments for others.

Customize It
Sometimes you need additional protection for special needs beyond the standard coverage in your homeowner’s or renter’s policy. You can increase or add to your policy’s standard coverage limits for things like:
•  Credit card and depositor’s forgery
•  Money and securities
•  Jewelry, watches, furs
•  Personal property
•  Guns
•  Fine art
•  ID theft

Aging Services Member - Residents’ Personal Property Insurance

Lewis and Associates Insurance Brokers
The GuardianHome residents’ personal property insurance plan is a unique program designed to provide quality, low cost protection for residents in a retirement home setting. The plan covers loss of personal property, as well as personal liability. There are over 5,000 participants.

Key Features and Benefits:
• Low cost coverage
• Available only to Aging Services member residents
• The plan is offered on a group basis. Administrative savings are passed on to the residents through lower, more stable rates. Comprehensive personal liability up to $100,000 per occurrence




You’ve got options

With Lewis & Associates, you can have your premiums deducted automatically from your designated financial institution, or choose from other billing options and pay by check, credit or debit card. Plus, you choose your payment plan – pay the full amount, or pay in easy monthly installments.

We’ve got you covered

We offer insurance protection designed to meet your needs. With Lewis & Associates, you get reliable coverage at an affordable price. Plus, our coverage is backed by a commitment to customer service. Contact us to find a plan that’s right for you.

Tools/Tips




Frequently Asked Questions



  • Q: Can I make my payment in the office?
    A: Most insurance carriers prefer that payments be made directly to them via mail, phone, or on-line. However, we are able to facilitate payment processing here at our office if need be.
  • Q: Where do I report my claim?
    A: All our carriers have 24/7 claims reporting availability. Please click on our links section to find your insurance carrier’s claims information. If your carrier is not listed or if you prefer to speak to someone in our office please contact us any time during business hours.
  • Q: Do I get a discount for paying in full?
    A: Most carriers do not give a discount for paying the premium in full. However you can save on any billing and installment fees by paying in full.
  • Q: I have “full coverage”, that must mean I have towing and car rental?
    A: Actually “full coverage” typically refers to having comprehensive & collision coverage. While it is typical that a “full coverage” policy would include towing & car rental, it is not automatic and must be added to the policy.
  • Q: My taxes and insurance are included in my house payment. If I switch insurance, will it cause any problems with my lender?
    A: Not at all. When switching over your property insurance that is impounded, we make all the necessary arrangements with your lender to make it a seamless transition.
  • Q: I have a wood shake roof, can I still get insurance?
    A: Yes, many carriers still offer insurance for homes that have wood shake roofs.
  • Q: I don’t really own anything, so why do I need renter’s insurance?
    A: While a renter’s policy does cover your personal property it does much more. It provides you with liability and medical payments coverage in the event someone was to get hurt on your property or you were sued due to damages you may have caused to the property.
  • Q: Why is my home insured for more than it is currently worth?
    A: Your home’s insured value is determined based on the cost to rebuild and not the current market value. Many factors such as material costs, labor costs, equipment, demolition costs, debris removal, and new building codes are used to determine the replacement value on your home. External values, such as value of land are not part of the equation.
  • Q: Do I need additional insurance for custom/aftermarket equipment on my vehicle?
    A: Yes, most insurance carriers do not provide or provide very little coverage for custom/aftermarket equipment like radios, video players, and rims. This additional coverage can be added for a very minimal cost.
  • Q: How long does a violation/accident affect my driving record?
    A: Most “Minor” violations are considered 1 point and can affect your auto insurance for 3 years. “Major” violations such as reckless driving or DUI can affect your insurance for over 7 years.


FEEL FREE TO CALL OUR OFFICE WITH
QUESTIONS YOU MAY HAVE OR FOR
MORE INFORMATION
559.733.7272 OR 800.745.3947
© 2011 - Lewis & Associates Insurance Brokers, Inc. - info@since1927.com | 700 W. Center St. | Visalia | 559-733-7272 | www.since1927.com | Lic#0797015