Frequently Asked Questions

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Frequently Asked Questions

Find answers to common questions about our insurance products and services.

What factors affect my insurance premium?

Insurance premiums are calculated based on several factors including your age, location, claims history, type of coverage, and the value of what you're insuring. Our agents can help you understand how these factors apply to your specific situation.

How do I file a claim?

You can file a claim 24/7 through our website, mobile app, or by calling our claims hotline. Our team will guide you through the process and help you every step of the way.

Can I bundle multiple insurance policies?

Yes! We offer significant discounts when you bundle multiple policies like home and auto insurance. Bundling can save you money while simplifying your insurance management.

How often should I review my insurance coverage?

We recommend reviewing your policies annually or whenever you experience major life changes like buying a home, getting married, having children, or starting a business. Our agents are always available for policy reviews.

What is the difference between actual cash value and replacement cost?

Actual cash value (ACV) is the replacement cost minus depreciation. Replacement cost coverage pays to rebuild or replace your property at current prices without deducting for depreciation. Replacement cost coverage typically costs more but provides better protection.

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What Our Clients Say

Hear from people who have experienced our service firsthand

Sarah Johnson

Health Insurance Client

ShieldGuard made getting health insurance so easy. Their agent took the time to explain all my options and helped me find a plan that fits my budget.

Michael Rodriguez

Auto Insurance Client

When my car was damaged in an accident, ShieldGuard handled my claim quickly and professionally. I was impressed with how smooth the process was.

Emily Chen

Home Insurance Client

I've been with ShieldGuard for 5 years and couldn't be happier. Their customer service is exceptional, and they've always been there when I needed them.

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