My name is Ross Fayard and I have been a licensed P & C (Property and Casualty) agent for almost 33 years. I enjoy putting a smile on people's faces when I know I can be there for them. I know the pain many people have experienced with insurance especially after losing everything myself with the devastation of Hurricane Katrina. When you meet with one of our insurance professionals, the first order of business is determining your specific needs.
We then develop an effective insurance program to fit you, your family or your business. It is important to us to let you know who we are, what we offer, and how we will help secure the home, business, or other assets you have worked so hard to obtain. Unlike an insurance agency which exclusively provides coverage from one source, Amstate Insurance Agency, offers the services of several insurance companies.
We follow very strict criteria when choosing the companies that we represent and constantly monitor their performance to ensure the best possible service to you.
We then develop an effective insurance program to fit you, your family or your business. It is important to us to let you know who we are, what we offer, and how we will help secure the home, business, or other assets you have worked so hard to obtain. Unlike an insurance agency which exclusively provides coverage from one source, Amstate Insurance Agency, offers the services of several insurance companies.
We follow very strict criteria when choosing the companies that we represent and constantly monitor their performance to ensure the best possible service to you.
Services
An auto insurance policy is actually a package of different coverages.
Most states require you to purchase a minimum amount of certain kinds of coverage.
If you are interested in better protecting yourself you may want to carry higher limits than what is required by your state law.
Liability coverage is the foundation of any auto insurance policy, and is required in most states.
If you are at fault in an accident, your liability insurance will pay for the bodily injury and property damage expenses caused to other parties in the accident, including legal bills (up to the limit covered by your policy).
Most states require you to purchase a minimum amount of certain kinds of coverage.
If you are interested in better protecting yourself you may want to carry higher limits than what is required by your state law.
Liability coverage is the foundation of any auto insurance policy, and is required in most states.
If you are at fault in an accident, your liability insurance will pay for the bodily injury and property damage expenses caused to other parties in the accident, including legal bills (up to the limit covered by your policy).
As an owner or potential owner of a business, you have many important decisions to make about your operations, and insuring your business to protect your assets is one of the most crucial.
According to the Independent Insurance Agents of America, no matter how large or small your business, you face liability, which means that your business could be held accountable when someone else suffers an injury or damage to their property because of something your business did or did not do.
Liability insurance protects your business assets when the business is sued for something the business did (or failed to do) that contributed to injury or property damage to someone else.
According to the Independent Insurance Agents of America, no matter how large or small your business, you face liability, which means that your business could be held accountable when someone else suffers an injury or damage to their property because of something your business did or did not do.
Liability insurance protects your business assets when the business is sued for something the business did (or failed to do) that contributed to injury or property damage to someone else.
The insurance industry uses the word "form" to describe the different types of insurance policies that they sell.
Please do not confuse the "form" with a paper application.
This protects your home and your personal property, such as furniture, carpeting, personal effects, etc.
The hazards covered are fire, lightning, windstorm, hail, explosion, vandalism (or malicious mischief), damage by vehicles, aircraft and riots.
Form HO1 provides only basic insurance, covering your home against only those hazards that are listed that could cause serious financial hardship.
Please do not confuse the "form" with a paper application.
This protects your home and your personal property, such as furniture, carpeting, personal effects, etc.
The hazards covered are fire, lightning, windstorm, hail, explosion, vandalism (or malicious mischief), damage by vehicles, aircraft and riots.
Form HO1 provides only basic insurance, covering your home against only those hazards that are listed that could cause serious financial hardship.
While disaster recovery assistance programs are important in helping flood survivors get back on their feet, there is no substitute for the broad-ranging benefits of the National Flood Insurance Program (NFIP).
Flood damage is not covered by homeowners policies but you can protect your home, business, and belongings with flood insurance from the NFIP.
It doesn't matter whether your flood risk is low, medium, or high, you can insure your home for up to $250,000 for the building and $100,000 for your contents.
Flood damage is not covered by homeowners policies but you can protect your home, business, and belongings with flood insurance from the NFIP.
It doesn't matter whether your flood risk is low, medium, or high, you can insure your home for up to $250,000 for the building and $100,000 for your contents.
Are you covered if you have a major equipment breakdown on one of the systems that keeps your home up and running?
It's an easy thing to take for granted, until a system like your air conditioning or hot water heater begins acting up and things start to get uncomfortable.
Amstate Insurance is here to offer another level of protection for you and your home with equipment breakdown coverage.
Many people do not know that a typical homeowners policy does not consider equipment breakdown as a covered loss.
It's an easy thing to take for granted, until a system like your air conditioning or hot water heater begins acting up and things start to get uncomfortable.
Amstate Insurance is here to offer another level of protection for you and your home with equipment breakdown coverage.
Many people do not know that a typical homeowners policy does not consider equipment breakdown as a covered loss.
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