Reiter Insurance Agency
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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. How much is car insurance?
  2. What is your Welaka Office hours of business?
  3. Is Flood Insurance included in my Homeowners policy?
  4. What is the difference between a "Replacement Cost" policy vs an "Actual Cash Value" policy?
  5. What is Collision coverage?
  6. What is Comprehensive coverage?
  7. What is Uninsured Motorist coverage?
How much is car insurance?
Every situation is different. Every household is unique. The only true way to decide what company and price suits you best is for us to provide you with a free quote. We are a trusted choice agency, which means we service many types of policies with many carriers - we have options. We are not tied down to one carrier, which mean we can "shop around" for you. Give us a call today 386-698-2400. Let us get to know you.

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What is your Welaka Office hours of business?
Currently, our Welaka office is open on Tuesdays and Thursdays from 8:00am - 4:30 pm. The phone number is 386-467-2068. If you need assistance outside of those hours, keep in mind the Crescent City office is fully equipped to assist you.

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Is Flood Insurance included in my Homeowners policy?

No, flood insurance is not covered under your homeowners policy. To obtain a quote for fold insurance, give us a call today. 386-698-2400



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What is the difference between a "Replacement Cost" policy vs an "Actual Cash Value" policy?

Replacement cost is the actual cost to replace an item or structure at its pre-loss condition. This may not be the "market value" of the item, and is typically distinguished from the "actual cash value" payment which includes a deduction for depreciation.

Actual Cash Value is the amount equal to the replacement cost minus depreciation of a damaged or stolen property at the time of the loss. It is the actual value for which the property could be sold, which is always less than what it would cost to replace it.







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What is Collision coverage?
Collision Insurance will reimburse the insured for any damage sustained to their personal automobile that is due to the fault of the insured driver.

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What is Comprehensive coverage?
When people hear the word "comprehensive," they might think "all-encompassing"— but in car insurance terms, the word has a different meaning. Simply put, comprehensive coverage protects you against damages to your car that are the result of covered perils not related to a collision.

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What is Uninsured Motorist coverage?
Uninsured motorists coverage becomes important when you or your passengers are injured in a collision caused by a driver who has no bodily injury liability insurance coverage, or insufficient bodily injury liability coverage.  Your uninsured motorists coverage covers  the following expenses: medical expenses and lost wages not fully paid by your no fault coverage, future medical expenses and future wage losses,  and non-economic damages such as disability, pain and suffering, and the loss of ability to enjoy life.  Also, this coverage ‘travels’ with you, providing protection for these losses even if you are not in your own insured vehicle.

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