Experts at Allstate serve clients well

At Allstate Insurance, Ross Curtis and his team of expert agents can find individuals the right insurance coverage for the right price.

In an era where insurance policies can be filled with a variety of complexities and legalities, these Allstate professionals will accurately navigate clients toward the perfect policy for their needs.

Curtis, an Allstate agency owner, has been in the industry for 22 years. A gold mine of information, he offers great insight into auto, homeowners, life, commercial, health and retirement protection policies.

“We have a good team that can get the job done,” said Curtis, who mentioned that all of his staff members are licensed agents. “The way we do business is by reviewing our clients’ individual needs and making certain we are providing the proper coverage for their situation that will protect their assets, income and the stage of their life.”

Reliability and knowledge being his cornerstone, Curtis has succeeded in making his clients comfortable with his agency. Allstate Insurance is nearly 80 years old and has earned the top one percentile rating from companies such as A.M. Best Company and Standard & Poor’s Corporation.

“Allstate has this recognition because of its reserves and the business practices it has in place,” Curtis said.

Curtis has a special rule of thumb when reviewing insurance policies: review an insurance policy every five years or when you’ve made a $5,000 improvement to your home. All polices, he said, need to properly reflect the coverage that one needs.

At Curtis’ office, policies are reviewed every year. With this practice, clients reap the full benefit of this team’s insurance experience.

Due to the number of fires that have devastated areas of San Diego County, some insurance companies now decline to cover properties in the Fallbrook area. However, Allstate Insurance continues to provide excellent coverage for its Fallbrook clients.

Allstate has perfected its system of working one-on-one with individual homeowners, advising on proper fire-safe clearance and vegetation abatement practices. Providing information on this offers a better safeguard for properties in the event of fire.

Likewise, Allstate homeowners’ insurance policies offer a feature called property insurance adjustment.

“This provides additional coverage to keep track with the increased cost of building,” Curtis said. “Even though home values have decreased, the cost of building prices has not decreased by that large of a margin.”

Protecting his clients with the right amount of liability coverage in any policy is another of Curtis’ expertise. Without the proper amount of liability coverage, he explained, the state of California has the power to cash in on home equity, tap into bank accounts and can garnish wages up to 25 percent for a total of 10 years.

“We can help a person purchase the proper amount of coverage, and possibly without a lot of additional dollars out of their pocket,” said Curtis, who pointed out that deductibles play a key role in this.

Curtis and his wife, Marilyn, have been Fallbrook residents for 22 years. Deeply rooted in their community, he has been an active member of the Fallbrook Fire Safe Council and a supporter of the Boys & Girls Club of Fallbrook.

Curtis is appreciative of the fact that his business has been able to serve the Friendly Village for so long. His ability to personalize an insurance experience is something many have been pleased with.

“Because we are a small community, it really provides us with the opportunity to get to know our clients well,” he said.

To learn more about Curtis and Allstate Insurance, including a complimentary consultation and/or policy review, call (760) 723-1331 or visit 305 West Aviation Road in Fallbrook.

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