Insurance can be confusing — and that’s why we’re here. At AML Insurance Group, our goal is to help you understand your options clearly and confidently. Below are some of the most common questions we receive from clients about coverage, policies, and the insurance process.
Q: Why should I work with an independent agency instead of a single carrier?
A: As an independent agency, AML Insurance Group works with multiple top-rated carriers — not just one. That means we can shop around on your behalf to find the best combination of coverage, service, and price. You’ll receive unbiased advice and more flexibility when your needs change.
Q: How do I know what type of insurance I need?
A: Every individual, family, and business is unique. We’ll take the time to understand your situation, goals, and budget before recommending coverage. Our licensed agents guide you step-by-step so you can make informed decisions with confidence.
Q: Can I bundle my policies for savings?
A: Yes! Bundling multiple policies — such as auto, home, and umbrella insurance — can help you qualify for discounts while simplifying your coverage. We’ll help you find the right combination that maximizes protection and value.
Q: What should I do if I need to file a claim?
A: Contact your insurance carrier directly as soon as possible to start the claim process, and then reach out to us. We’ll help ensure your claim is processed smoothly and efficiently, answering any questions along the way.
Q: How much auto coverage do I really need?
A: The right amount of auto insurance depends on your vehicle, driving habits, and financial situation. We’ll review your current limits, explain what’s legally required in your state, and help you choose protection that fits your comfort level and budget.
Q: What does home insurance actually cover?
A: Home insurance typically covers your home’s structure, personal belongings, liability protection, and additional living expenses if you’re displaced by a covered event. We’ll tailor your policy to match your property’s value and your family’s needs.
Q: Is renters insurance worth it if my landlord has insurance?
A: Yes. Your landlord’s policy only covers the building — not your personal belongings or liability. Renters insurance protects your possessions and provides coverage if someone is injured in your rental home.
Q: What’s the difference between term and whole life insurance?
A: Term life insurance covers you for a set period (such as 20 or 30 years) and is typically more affordable. Whole life insurance lasts your entire lifetime and builds cash value over time. We’ll help you determine which fits your financial goals and stage of life.
Q: Can I change my health plan during the year?
A: Usually, you can only change your plan during the annual Open Enrollment period, unless you experience a qualifying life event (like marriage, a new baby, or loss of coverage). We’ll help you navigate your options and enrollment windows.
Q: Do small businesses really need insurance?
A: Absolutely. Even small businesses face risks — from property damage to liability claims or employee injuries. The right business insurance helps protect your company’s finances and reputation so you can focus on growth.
Q: What’s the purpose of umbrella insurance?
A: Umbrella insurance provides extra liability protection that extends beyond your standard home or auto policies. It’s an affordable way to safeguard your savings and assets from large claims or lawsuits.
Q: Do I need workers compensation if I only have one employee?
A: In most cases, yes. Both California and Arizona require employers to carry workers compensation coverage. It protects your business and your employees if someone gets hurt on the job.
Q: How do I get a quote?
A: It’s simple! You can request a quote directly through our website, call us, or email us with your details. A licensed agent will respond promptly to help you review options and find the right coverage.
A: In most cases, we can provide quotes the same day and issue coverage quickly once you’re ready to move forward. Our team handles all the paperwork to make the process smooth and efficient.
We’re always here to help. If you have a question that isn’t listed here, contact us anytime — we’ll be happy to provide clear, honest answers.
📞 (310) 384-8919
✉️ amlinsurancegroup@gmail.com
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