Insurance Resources
Insurance doesn't have to be confusing. Explore helpful information designed to make it easier to understand your coverage, prepare for a quote, and know what to do when you need to use your insurance.
Know what information and documents to have ready before requesting a quote.
Helpful guidance for filing a claim, making policy changes, and knowing who to contact when you need assistance.
Simple explanations of common insurance terms, coverage options, and frequently asked questions.
Property Owners & Small Businesses
Helpful information for landlords, rental property owners, entrepreneurs and small businesses.
Need Help Now?
Request a Quote
Ready to explore coverage? Tell us what you need and we’ll help you review your options.
Existing Client?
Need help with a policy change, billing question, document, or other service request? Contact us.
Have a Claim?
For claims, contact your insurance carrier directly whenever possible for the fastest assistance. Not sure who to contact? We can help.
Preparing for a Quote
Having a few details ready can help make the quoting process faster and easier. What you’ll need will vary based on the coverages you’re requesting.
Homeowners/Landlord:
Property address
Current declarations page (if available)
Mortgage information
Occupancy/use
Property details & recent updates
Prior claims information
Auto:
Driver information and license numbers
Vehicle information/VINs
Leinholder information
Current declarations page (if available)
Household driver information
Prior claims and accident information
Renters:
Property address
Desired personal property coverage
Landlord/property manager information
Information about valuables or special items requiring additional coverage
Small Business/Commercial:
Business name and address
Description of business operations
Estimated annual revenue/payroll (when applicable)
Number of employees
Current declarations page (if available)
Prior claims information
Property, equipment, or vehicles (when applicable)
Don’t Have Everything? That’s Okay.
You don’t need to have every detail before contacting us. Start with what you have, and we’ll help you determine what else may be needed.
Understanding Your Coverage
Insurance terminology can be confusing. Here are a few common terms that can help you better understand your policy and coverage options.
Premium
The amount you pay for your insurance coverage, typically monthly, semi-annually, or annually.
Deductible
The amount you may be responsible for paying before your insurance coverage applies to a covered claim.
Coverage Limit
The maximum amount your policy may pay for a covered loss, subject to the terms of your policy.
Liability Coverage
Helps protect you financially if you are legally responsible for injury to another person or damage to their property.
Replacement Cost
Coverage that generally pays to repair or replace damaged property with similar new property, subject to your policy terms and limits.
Actual Cash Value (ACV)
The value of damaged property after depreciation is taken into consideration.
Exclusion
A situation, type of damage, property, or risk that your insurance policy does not cover.
Endorsement
A change or addition to an insurance policy that modifies the policy’s coverage or terms.
Not Sure What Your Policy Means?
Insurance policies can vary by carrier and state. We’re happy to help you review your coverage and better understand your options
Claims & Policy Help
Have a Claim?
Contact your insurance carrier directly whenever possible to report a claim. Your carrier’s claims department can provide your claim number, assign an adjuster, and explain the next steps
Before Filing a Claim
If it is safe to do so, take photos or videos of the damage, protect the property from additional damage, and keep receipts for emergency repairs or related expenses. Avoid making permanent repairs until instructed when possible.
Need a Policy Change?
Contact Stanley Insurance Solutions for help with changes such as adding or removing a vehicle or driver, updating an address, changing mortgage or lienholder information, or requesting other policy updates.
Billing or Cancellation Questions?
Contact us if you need help understanding a billing notice, payment issue, renewal, cancellation, or nonrenewal. Some payments and billing changes may need to be handled directly through your insurance carrier.
Need Immediate Assistance?
For emergencies involving injury, fire, crime, or immediate danger, contact 911 or the appropriate emergency service first. For insurance assistance, use our Claims Contacts or Contact Us options.
Property Owners & Small Businesses
Whether you own a rental property or operate a small business, the right insurance depends on how the property or business is used. We can help you explore coverage options based on your specific needs.
Rental & Landlord Properties
Coverage options for rental homes, investment properties, and other non-owner-occupied residential properties. Depending on the property, coverage may include the dwelling, other structures, liability, and loss of rental income.
Professional Liability / E&O
Coverage that may help protect professionals and businesses against certain claims involving errors, omissions, or professional services.
Small Business Insurance
Coverage designed around your business operations and exposures. Options may include general liability, commercial property, business owners policies (BOP), and other business-specific coverage.
Commercial Auto
Coverage for vehicles used for business purposes, with options depending on vehicle type, ownership, drivers, and how the vehicles are used..
Not Sure What Coverage Your Business Needs?
Every business and property is different. Tell us a little about what you own or operate, and we’ll help you explore available coverage options.