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Ashley Insurance Agency

Insurance, United States, Florida, Jacksonville

Your trusted partner in protecting what matters most with personalized insurance solutions and exceptional customer service.

About Ashley Insurance Agency

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Basics

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Founded
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Total Employees
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Employees on Linkedin
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Employees on OWCareers
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Main Office
United States of America, Florida state
Official Website
http://www.ashleyinsuranceagency.com
Location Address Official Phone Email
United States of America, Florida state United States, Florida, Jacksonville **** ****
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FAQs – Ashley Insurance Agency

Are home-based businesses covered by homeowners insurance?

Standard homeowners insurance does not cover home-based business losses or liability. Business owners should consider a separate business insurance policy or an endorsement to cover equipment, liability, and potential business interruptions.


How has the philosophy of life insurance changed over time?

Life insurance evolved from a simple death benefit to a financial planning tool, offering wealth accumulation, retirement planning, and investment options.


How do insurers mitigate moral hazard?

Insurers combat moral hazard through measures like deductibles, co-payments, policy exclusions, and claim investigations. By requiring policyholders to share in the cost of a loss, they discourage careless behavior. Insurers also use monitoring systems and impose contract terms that encourage responsible actions.


Does travel medical insurance cover trip cancellations due to illness?

Standard travel medical insurance does not cover trip cancellations. However, comprehensive travel insurance plans may include trip cancellation coverage due to unexpected medical emergencies before departure.


Can I buy multiple term insurance policies?

Yes, individuals can hold multiple term policies to increase coverage, stagger expiration dates, or meet different financial goals such as income replacement and debt protection.


What types of insurers exist?

There are various types of insurers, including life insurers, health insurers, property and casualty insurers, and reinsurers. Life insurers provide policies covering death and long-term savings, health insurers cover medical expenses, and property insurers protect against losses to physical assets. Reinsurers provide coverage to primary insurers to mitigate risks.


What does "coverage period" mean in an insurance policy?

The coverage period refers to the time span during which the insurance policy provides protection. It starts from the policy's effective date and typically lasts until the expiration or renewal date. Understanding the coverage period is essential to ensure you have uninterrupted protection and know when your coverage begins and ends, particularly if you need to file a claim or renew the policy.


Does subrogation apply to uninsured drivers?

Yes, if an uninsured driver is at fault, the insurer may still attempt recovery directly from them through legal means.


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