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Insurance AgencyHome Insurance AgencyAuto Insurance AgencyBusiness Insurance ServiceLife Insurance Agency
Spirit Insurance provides customized insurance coverage for home, flood, auto, recreational, commercial/business, commercial auto, life and health insurance. Ask us about financial planning as well as multi-line discounts. Come in today for a free, personalized quote. We're happy to meet with you and have a no-pressure conversation.
Details
- Requires appointmentNot available
- Online appointmentsAvailable
- Onsite servicesAvailable
- Wheelchair accessible entranceAvailable
Location
Hours
Reviews
3.7
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- JGJames GAug 5, 20255.0These guys really know what they are doing. I had two glitches with my mortgage company/bank and my auto insurance carrier. Each time I just walked into their office and Mike hammered it out quickly and efficiently. Thanks!
- PMPhilip M.Jan 31, 20251.0I would avoid this insurance agency. I was sold homeowners insurance by them. The Insurance company they sold us (Mountain Valley) went out of business and Spirit did nothing to get us a refund of the premium.
- JRJules RDec 16, 20245.0Garrett and his whole team there have been great. Gave me several diff options for my homeowners insurance and I was able to switch policies and save some money. Always take care of me right away and really appreciate that!
Frequently Asked Questions About Spirit Insurance
Do you offer discounts for multiple lines of insurance, (i.e. home and auto, auto and life, etc.)
We do provide discounts for bundling multiple insurance policies. Contact us today for a complimentary quote to see how much you could save by combining your insurance coverage with Spirit Insurance. Our team is ready to assist you with various insurance needs, including business, auto, and flood insurance.
What does flood insurance cover?
Flood insurance typically covers direct damage to your property from flooding, including structural damage, damage to contents within the structure, and flood-related cleanup costs. It's important to note that flood insurance generally doesn't cover basement damage or water damage caused by high winds. The Insurance Information Institute reports that 22% of homeowners believe they're at risk of flooding. If you're concerned about flood risk, we encourage you to contact our team for more information.
How can I pay my premiums?
Premium payment structures can vary depending on the type of insurance policy you have, such as auto, home, or flood insurance. We typically offer options for monthly, bi-annual, or annual premium payments. Our team works closely with each client to determine the most suitable payment structure for their specific situation and to ensure timely premium payments to the insurance carrier.
Can I pay my bill online?
Yes, online bill payment is available through carrier links provided on our website. Please locate the link for your specific insurance carrier to process your payment. Remember, Spirit Insurance offers a wide range of coverage options, including boat, life, and flood insurance, among others.
How can I file a claim?
The claim filing process can vary depending on your specific insurance policy and carrier. We recommend contacting our office directly for guidance on the most efficient way to file your claim. Our experienced team can provide you with the necessary steps and support throughout the claims process.
What are the different types of life insurance?
The main types of life insurance include term life, whole life, universal life, variable life, and final expense life insurance. It's crucial to understand the differences between these policies to ensure you select the one that best meets your needs. For more detailed information on these life insurance types, please refer to our 'Life Insurance' page. Additionally, don't hesitate to contact us about other insurance offerings such as business and flood insurance.
Do I need life insurance if I'm young and single?
While the decision to purchase life insurance is personal, there are factors to consider even if you're young and single. If you have outstanding debts like student loans, life insurance can help cover these obligations. Additionally, it can provide funds for funeral expenses, which can range from $5,000 to $10,000 or more. It's worth noting that life insurance premiums generally increase with age, so securing a policy while young and healthy can be cost-effective. Life circumstances can change rapidly, so we recommend scheduling a free, no-obligation consultation with one of our life insurance specialists to discuss your options.
How is my auto insurance premium calculated?
Auto insurance premiums are determined by various factors. These include your driving history, the make and model of your vehicle, demographic information, and the specific coverages, limits, and deductibles you choose. For more detailed information about how premiums are calculated for auto insurance or other types of coverage like flood insurance, we invite you to contact our office for a personalized discussion.
Does Spirit Insurance offer discounts for bundling multiple insurance policies?
Yes, Spirit Insurance provides discounts for bundling multiple insurance policies such as home and auto or auto and life. Contact them for a complimentary quote to learn about your potential savings.
What coverage does flood insurance from Spirit Insurance provide?
Flood insurance typically covers direct property damage from flooding including structural damage, contents damage, and flood-related cleanup costs. It usually doesn't cover basement damage or water damage caused by high winds.
What payment options are available for premiums at Spirit Insurance?
Spirit Insurance offers various premium payment options including monthly, bi-annual, and annual payments. Payment methods accepted include American Express, Cash, Check, Discover, Financing, Invoice, MasterCard, and Visa.
Can I pay my insurance bill online with Spirit Insurance?
Yes, online payment is available through carrier links on Spirit Insurance's website. You can select your insurance carrier's link to process payments conveniently.
How do I file an insurance claim with Spirit Insurance?
To file a claim, contact Spirit Insurance's office directly for guidance tailored to your specific policy and carrier. Their team will support you through the claims process.
What types of life insurance does Spirit Insurance offer?
Spirit Insurance offers several life insurance types including term life, whole life, universal life, variable life, and final expense insurance. They recommend consulting to choose the best option for your needs.
Are there nearby real estate agents around Spirit Insurance's location?
Yes, there are many nearby real estate agents such as Coldwell Banker Residential Brokerage, Nicholas Meccia at Signature Premier Properties, and Lisa Palermo - Your Favorite Realtor. Customers exploring home insurance might consider consulting with these agents in Babylon.
What travel-related services are near Spirit Insurance?
Away With Me Travel is located nearby, providing travel services. Customers can consider coordinating insurance needs and travel plans conveniently in the Babylon area.
Where can I find wellness services near Spirit Insurance?
Nearby wellness services include B-well Massage therapy LLC and Village Therapy and Wellness. Customers visiting Spirit Insurance can utilize these nearby therapy and massage services.
What are Spirit Insurance's regular business hours and appointment availability?
Spirit Insurance is open Monday through Friday from 9:00 AM to 6:00 PM. They are closed on Saturdays and Sundays but do offer appointments by request on Saturdays.