We offer a variety of personal & business insurance options. To get started, please choose your type of insurance you want below. You can expect a quote or call from one of our agents shortly.
From Our Clients
“ Very professional! Was able to get fantastic Auto and Home insurance for less than I was currently paying. I would recommend Billy Davis to anyone needing insurance, he will go the extra mile for you!” ”
– William B.
“I was shopping around for auto/home insurance and came across the Billy Davis Insurance Group. They offer insurance from a wide variety of companies and are incredibly quick to respond. They’re also very helpful in providing guidance for first-time shoppers and advice as well! I highly recommend them”
– Martin W.
“I first contacted The Billy Davis Group when we purchased a house about three years ago. He searched for an insurance provider that fit into our budget. This led to insuring our autos too. Then eventually a boat. He’s prompt when replying to emails and finds the information we need.”
– Lisa S.
Representing the Largest Insurance Companies
This is not an easy answer. Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity. It is our recommendation to discuss your specific claim with our claims manager to see if turning in a claim makes sense. However, all possible liability claims need to be turned in; as the insurance company needs to be put on notice.
An adjuster is a representative of the insurance company that helps settle a claim. They are not employed by us. We do not settle claims as this is done by the adjuster. However, we will assist in making sure a covered claim is paid fairly and promptly.
Many venues that are rented for special occasions such as weddings and graduation open houses require proof of coverage for up to $1,000,000 in liability insurance to cover property damage and bodily injury accidents that may occur during the event. Many Homeowners policies will provide coverage for these types of events. An excess / umbrella liability policy is also a good idea and will comply with the requirement for $1,000,000 in liability coverage.
If you are hosting an event where alcohol will be served, your homeowners policy will cover this “host liquor liability” as long as you do not charge money for the alcohol. If alcohol will be served it is recommended to transfer the liability by hiring a bartender or caterer who carries their own liquor liability coverage. If you do decide to have a cash bar or if the venue requires to be listed as an additional insured on your policy, we can provide you with a separate Special Event Liability policy to cover this exposure.
For specific events and how coverage would be afforded under your policy please contact us.