Personal insurance

Auto

Gacek is able to write high and low risk drivers. However, it is our firm belief, formed through years and years of experience, that drivers should NOT carry the minimum insurance required by the state. It is our general policy to write auto insurance at $100K, $300K, $100K. This extra coverage typically only costs the customer a few dollars more than the minimum - and it is well worth it (just think for a second how much an average hospital stay costs these days).

We can and do write older and vintage vehicles. Our carriers offer multi-car discounts, good student discounts, and good driver discounts.

Credit

Did you know that insurance carriers often use your credit score as a risk factor when calculating your premium? It's true. Consider a driver with a perfect driving record, who has been licensed for decades, and who drives an economical compact car - but this driver also has credit issues. This hypothetical driver is potentially subject to a 40% higher premium!

At Gacek, we are able to work with credit-challenged individuals. If you have credit issues, we can frequently find you rates significantly lower than you could get by the traditional "shopping around" method. You owe it to yourself to call us!

Homeowners'

We can insure your home against fires and earthquakes. In addition, we can insure the contents of your home as well. Our personal lines department has access to cost estimating software, so we can quote you over the phone - no inspection necessary.

Umbrella

Umbrella insurance is insurance that "kicks in" as an additional layer of liability insurance. For example, if your primary homeowners' insurance liability runs out (it can frequently do so if the claim is large enough) then umbrella will cover an additional $1-2 million of liability. We strongly recommend umbrella insurance as an adjunct to homeowners' and auto insurance - it is not expensive, and the extra protection is well worth the cost.