Ayala Insurance

read moreAt Ayala Insurance, our exceptional insurance agents and customer service representitives work hard to get you the best possible coverage for your budget. Our goal is to make every customer a satisfied customer. We compare rates from many insurance companies to find the right fit for your specific situation. As an independent insurance agency, we are able to compete very well against most rates out there. We take pride in finding better coverage at lower cost to you. We offer a very wide range of insurance solutions for your convenience.

read moreWhat 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. An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months or a year.

read moreWe love referrals! The greatest testament that our customers can provide is by referring their friends and family to Ayala Insurance Service LLC. Thank you for your referral, and we thank you even more for your continued business.

read moreCoverages and benefits listed below may not be available in your state. If available, some optional coverages and benefits might be offered at an additional charge. Contact Ayala Insurance Service LLC today to learn more. A form of variable annuity contract where the contract holder pays sales charges up front rather than eventually having to pay a surrender charge. A benefit that can be attached to a life insurance policy that enables the policy holder to receive cash advances against the death benefit in the case of being diagnosed with a terminal illness.

read moreAs 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.

read moreWhat 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. What is 'long-term care'? Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed).

read moreWith 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.

read moreThere 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.