Frequently Asked Questions

We offer a comprehensive range of insurance products including construction insurance, business solutions (commercial insurance), benefits and life insurance, and personal lines (auto, home, renters, and more). As an independent agency, we work with multiple carriers to find the best coverage for your needs.

The right amount of coverage depends on your specific situation, assets, and risk exposure. Our experienced agents will assess your needs and recommend appropriate coverage limits. We consider factors like property values, income, liabilities, and personal circumstances to ensure you're adequately protected.

An insurance agent typically represents specific insurance companies, while a broker (like Milik & Associates) works independently and can shop multiple carriers on your behalf. This allows us to compare policies and find you the best coverage at competitive rates.

We recommend reviewing your policies annually or whenever you experience a major life change such as buying a home, getting married, starting a business, or adding a new driver to your household. Regular reviews ensure your coverage keeps pace with your changing needs.

You can request a quote by filling out our online contact form, calling us at 877-468-2233, or visiting our office in Covina. We'll gather some basic information about your insurance needs and provide you with competitive quotes from multiple carriers.

The information needed varies by insurance type. For auto insurance, we'll need driver information and vehicle details. For home insurance, we'll need property information and coverage preferences. For business insurance, we'll need details about your operations, employees, and assets.

Many quotes can be provided within 24-48 hours. Simple personal lines quotes may be available same-day, while more complex commercial policies may require additional time for underwriting review.

Contact our office immediately when you need to file a claim. We'll guide you through the process and help you report the claim to your insurance carrier. You can reach us at 877-468-2233 during business hours.

First, ensure everyone's safety and call emergency services if needed. Document the incident with photos and notes. Exchange information with other parties if applicable. Then contact us as soon as possible to report the claim. Avoid admitting fault or making statements about the incident to others.

Claims processing time varies depending on the complexity of the claim and the insurance carrier. Simple claims may be resolved within a few weeks, while more complex claims can take longer. We'll advocate on your behalf to help expedite the process.

Most carriers offer flexible payment options including monthly, quarterly, semi-annual, or annual payments. Many also offer automatic payment plans and online payment portals. We can help you set up the payment schedule that works best for your budget.

Yes, you can make changes to most policies at any time. Whether you need to add a vehicle, update coverage limits, or make other modifications, contact our office and we'll process the changes with your carrier.

If you miss a payment, you'll typically receive a notice with a grace period to make the payment. If payment isn't received, your policy may be canceled. Contact us immediately if you're having difficulty making payments so we can discuss your options.