Business Details
At PD Insurance Agency we are here to provide you with the majority of the coverage you need Auto, Homeowners, Renters, Life, Health, and Business or Commercial needs are all things we can assist you with, along with many other lines. We partner with many well-known insurance carriers in the US to provide you access to the most affordable rates that meet your needs.
Our producers and staff are friendly, courteous and knowledgeable. We believe that great service is not only about providing the best option, but also making our customers feel at home, that is we have producers that are fluent in many different languages, including but not limited to: English, Chinese, Vietnamese, Burmese and Nepali. We are built on integrity and strive to create solutions for our clients by advising and educating you on the topic of insurance.
We guarantee you peace of mind with knowing that you and your loved ones are fully protected. We also value our community and all of the relationships that have helped build our brand.
Our producers and staff are friendly, courteous and knowledgeable. We believe that great service is not only about providing the best option, but also making our customers feel at home, that is we have producers that are fluent in many different languages, including but not limited to: English, Chinese, Vietnamese, Burmese and Nepali. We are built on integrity and strive to create solutions for our clients by advising and educating you on the topic of insurance.
We guarantee you peace of mind with knowing that you and your loved ones are fully protected. We also value our community and all of the relationships that have helped build our brand.
Services
About Us
PD Insurance Agency provides you with the majority of coverage you need in life: Auto, Homeowners, Renters, Life, health and etc.
We are partnered with many well-known insurance carriers in the US so you can receive the rates from all of them to see which one fit you the most.
Our producers and staffs are friendly, nice and especially well-educated to give you the best as well as the most suitable advises for the services you need.
Especially, our staffs can speak a lot of different language: English, Chinese, Vietnamese, Burmese and even more than that.
We are partnered with many well-known insurance carriers in the US so you can receive the rates from all of them to see which one fit you the most.
Our producers and staffs are friendly, nice and especially well-educated to give you the best as well as the most suitable advises for the services you need.
Especially, our staffs can speak a lot of different language: English, Chinese, Vietnamese, Burmese and even more than that.
Business
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.
In fact, many business people use the same vehicle for both business and pleasure.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.
In fact, many business people use the same vehicle for both business and pleasure.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.
Auto Insurance
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage.
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage.
Motorcycle Insurance
Why do you need insurance for your motorcycle?
You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment.
If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
If you or a passenger is injured in an accident, medical costs can be extremely expensive.
If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment.
If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
If you or a passenger is injured in an accident, medical costs can be extremely expensive.
If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
RV Insurance
Recreational vehicles do more than just carry you from one place to another; they transport you with an eye toward maximum fun and/or comfort along the way.
Just because some of these vehicles are associated with playtime, that doesn't mean they don't need the same insurance protection as any other piece of expensive property you own.
In fact, they may need more insurance since they also create a potential for liabilities.
Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others.
Just because some of these vehicles are associated with playtime, that doesn't mean they don't need the same insurance protection as any other piece of expensive property you own.
In fact, they may need more insurance since they also create a potential for liabilities.
Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others.
Boat Insurance
Why do you need insurance for your boat or personal watercraft?
You'll enjoy the water even more when you're not worried about the safety of yourself, your passengers or your investment.
If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
If you or any passengers are injured in an accident, medical costs can be extremely expensive.
If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
You'll enjoy the water even more when you're not worried about the safety of yourself, your passengers or your investment.
If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
If you or any passengers are injured in an accident, medical costs can be extremely expensive.
If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
Homeowners Insurance
Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
Renters Insurance
With renters insurance, you will be able to replace what is damaged or stolen.
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.
However, renters insurance does not cover floods, earthquakes or routine wear and tear.
You can, however, buy separate policies for flood and earthquake damage.
If you are forced out of your home because of a disaster your additional living expenses will be covered.
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.
However, renters insurance does not cover floods, earthquakes or routine wear and tear.
You can, however, buy separate policies for flood and earthquake damage.
If you are forced out of your home because of a disaster your additional living expenses will be covered.
Condo Insurance
Condominium insurance is similar to homeowners insurance but is designed for the specific needs of condo living.
Many families choose condos because of the convenience of on-site maintenance and access to community amenities.
In this environment, the main structures of all buildings and common areas are covered by an insurance policy held by the condo association.
However, a personal condo insurance policy may cover property damage and liability risks of the unit owner.
Condo insurance is beneficial for all condo owners as well their visitors.
Many families choose condos because of the convenience of on-site maintenance and access to community amenities.
In this environment, the main structures of all buildings and common areas are covered by an insurance policy held by the condo association.
However, a personal condo insurance policy may cover property damage and liability risks of the unit owner.
Condo insurance is beneficial for all condo owners as well their visitors.
Mobile Home Insurance
As with any structure called home, mobile homes can and should be insured to protect your finances from various risks.
Purchasing a mobile home is an investment that would not be easy to replace if a disaster hit.
The right mobile home insurance policy offers protection for your home, possessions and finances.
Dwelling: Covers the physical structure of your mobile home from a variety of disasters such as fire and theft.
Contents: Covers your furniture, kitchen appliances, clothing, electronics and other belongings.
Purchasing a mobile home is an investment that would not be easy to replace if a disaster hit.
The right mobile home insurance policy offers protection for your home, possessions and finances.
Dwelling: Covers the physical structure of your mobile home from a variety of disasters such as fire and theft.
Contents: Covers your furniture, kitchen appliances, clothing, electronics and other belongings.
Transportation
Owners and operators of commercial trucks can't get by with a standard commercial auto insurance policy.
In addition to protecting the cargo that they carry, truckers must consider the massive physical damage that can be caused by their trucks, the potential environmental issues an accident could cause, and the expensive cost to repair their large vehicles.
For bodily injury and property damage liability exposure, one should consider an auto liability insurance policy.
This policy will protect truckers by covering many different types of harm that they can unintentionally inflict on others and their property.
In addition to protecting the cargo that they carry, truckers must consider the massive physical damage that can be caused by their trucks, the potential environmental issues an accident could cause, and the expensive cost to repair their large vehicles.
For bodily injury and property damage liability exposure, one should consider an auto liability insurance policy.
This policy will protect truckers by covering many different types of harm that they can unintentionally inflict on others and their property.
Workers Compensation
Employers have a legal responsibility to their employees to make the workplace safe.
However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance.
Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business.
However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance.
Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business.
Life Insurance
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs.
It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term.
This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time.
For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
Term insurance is designed to meet temporary needs.
It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term.
This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time.
For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
Health Insurance
What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care.
Although these plans differ, they both cover an array of medical, surgical and hospital expenses.
Most cover prescription drugs and some also offer dental coverage.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.
Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care.
Although these plans differ, they both cover an array of medical, surgical and hospital expenses.
Most cover prescription drugs and some also offer dental coverage.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.
Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
