Commerce Tx Insurance for Farmers

Insurance for Farmers Commerce Tx – Ask for a Free Estimate Today!

Commerce Tx Insurance for Farmers

Are you on the lookout for better deals on Insurance for Farmers in Commerce Tx?

If so, why not ask the helpful agents of Country Side Insurance for a free estimate?

You can begin the quotes process over the phone by calling us during normal business hours at 903-378-7300 (local number) or 888-505-7550 (toll-free number).

Another great way to begin the quotes process is by filling out our online form, which you can access by clicking a location near you in the list below:

Commerce Tx Insurance for Farmers – Claims Scenario Part 15

Previously, Ken and his crew began the preliminary work to convert their barn into a home for their family.

Naturally, the barn’s concrete slab/foundation was where they started, so damaged sections of the foundation were painstakingly removed and replaced. 

Next, Ken had his team remove all of the damaged sections of wood that had been rotted by exposure to water from the leaking pipes (you may remember how Jerry fell through the soft, decayed wood on one side of the barn).

Framing was completed on the first floor, which included a steel girder for the load-bearing portion of the home for the second floor, supported by concrete walls. Next, they installed the necessary plumbing and new electrical wiring before finally installing drywall.

A gourmet kitchen was pieced together, along with a large island that was an absolute must for Connie.

Drywall Mud was applied to the newly placed drywall and to other damaged portions of the original walls. It was then smoothed out and sanded. Various lighting fixtures were installed and walls were painted.

Last but not least, the flooring was laid down, including installation of tile in the three bathrooms, vinyl laminate that mimics hardwood flooring in the kitchen, and carpet in the living room, dining room, and four bedrooms.

Ken and his team, along with Jerry, wrapped up the projects about 4 weeks over schedule because of inclement weather and illness. The flu bug was passed around to the entire team, especially in the beginning. Unfortunately, their foundation contractor, Frankie, was hospitalized and unable to return to work on the project. Ken improvised on the foundation work, which delayed things a bit.

How did it turn out? We’ll address that in our next article.

Insurance for Farmers Commerce Tx – Submit a Request for Quotes Right Now!

Did you know that you can submit a request for a free estimate on Texas Farm Insurance any time?

Just click on one of the links shown below to be taken to our quote request page. By filling out the quote request form, you will send our agents a notification of your desire for a quote.

One of our agents will get back to you as soon as possible to begin the quotes process.

If you prefer to contact us by telephone, simply give us a call, toll-free, at 888-505-7550.

Clarksville Tx Insurance for Farmers

Insurance for Farmers Clarksville Tx – Experience the Savings!

Clarksville Tx Insurance for Farmers

Are you looking to improve your coverage when it comes to Insurance for Farmers in Clarksville Tx or the surrounding areas while also saving money on your premiums?

If that is the case then call Country Side Insurance today and experience the savings!

You can reach us by phone by dialing either 903-378-7300, our local number, or 888-505-7550, our toll-free number, during business hours.

We will scour the insurance marketplace to find rates and coverage that are a better fit for your farm, home, and business.

Speak with an agent today to get the ball rolling and obtain free quotes on Clarksville Tx Farm Insurance today!

If you prefer, you can also request a free quote through our online form.

You can access our quote request form page any time for any of the locations listed below:

Clarksville Tx Insurance for Farmers – Claims Scenario Part 14

In our previous article following a couple’s journey as they attempt to convert their old barn into a new home for themselves, we witnessed the arrival of Jerry’s friend Ken, a part-time contractor who the couple are considering hiring for the project because of the significant discount he will provide them.

After an initial poor impression, Connie was surprised to see that Ken is not at all what she expected.

Based on the condition of his vehicle, Connie expected Ken to be somewhat of a slob and rather unprofessional in his appearance and demeanor. Instead, he turned out to be well kempt, clean cut, and handsome.

Let’s find out what happens once he begins his inspection.

Ken whips out his clipboard and casually strolls around the outside of the building. He occasionally takes a measurement here and there or jots a note down on his clipboard, all the while cracking wise and schmoozing with Jerry and Connie.

He takes a look at the water pipe that had caused all of the couple’s troubles with their barn.

“Oh yeah,” he says, tapping on the metal surface. “That’ll do it, right there.”

“What do you think?” asks Jerry. “Can you fix it all within our budget?”

“Well of course I can, Jerry,” he responds, faking an incredulous look. “I’m the man, remember?”

Everyone laughs and moves on to the next part of the inspection. Connie is feeling much better about hiring Ken.

Was Connie worrying too much  or was her initial intuition about Ken correct? Find out in future installments.

Insurance for Farmers Clarksville Tx –  Give Us a Call!

Remember, our toll-free number is 888-505-7550. Don’t hesitate to give us a call today!

Bonham Tx Insurance for Farmers

Insurance for Farmers Bonham Tx – Find Major Savings!

Bonham Tx Insurance for Farmers

Allow the experienced agents of Country Side Insurance to help you find major savings on Business Insurance for Farmers in Bonham Tx!

Would you like to speak to an agent today?

You can reach us by phone during our business hours by dialing 903-378-7300 (local) or 888-505-7550 (toll-free).

We would be happy to browse the insurance marketplace on your behalf with the goal to help you find better prices and coverage.

If you would like to request a free quote online, click on one of the links shown below:

Bonham Tx Insurance for Farmers – Claims Scenario Part 12

Here’s a recap of what happened in our previous article:

Jerry and Connie decided to go ahead and build their dream home despite the fact that they never expected to have to pay for the replacement of their old barn’s foundation and water system.

They were not sure what to do. They don’t want to compromise on any features of the home they have been envisioning all this time.

That’s when Jerry pitched an idea to Connie. He told her that he has an old friend named Ken who used to work on homes.

Jerry informs her that he learned everything he knows about carpentry and building from Ken, and that, because they’re old friends and because of Ken’s connections in the industry, Jerry’s confident that Ken will be willing to perform the necessary fixes to their barn for a much lower price point than what the local contractor estimated.

Despite her reservations, Connie ultimately agrees to at least allow Ken to visit the property and to provide the couple with a quote.

Jerry is enthusiastic, as he plans to help Ken out as a handyman during the construction.

Although Jerry’s participation will save the couple some money, Connie has her doubts about the quality of the work her husband and his friend will be able to perform.

She keeps her reservations to herself for the meantime, though. Jerry excitedly calls up his old buddy and schedules an appointment for the following week.

The day arrives, and Ken shows up to take some measurements and get a feel for the scope of the project.

He pulls up in a big, rusted-out pickup truck that’s caked in mud from tires to rooftop. The muffler kicks and sputters noisily while the truck idles for a moment before the driver finally kills the engine.

Jerry jogs around to the other side of the truck to greet Ken as he exits the vehicle, but Connie stays where she is.

Needless to say, so far, she is not impressed.

Next time, we meet the infamous Ken.

Insurance for Farmers Bonham Tx –  Improve Your Coverage Today!

Improve your Bonham Texas Farm Insurance today!

Call the independent insurance agency of Country Side Insurance at 903-378-7300 or toll-free at 888-505-7550 today, or click on one of the location links provided below to access our online quote form and submit a request for a free estimate any time:

Royce City Tx Barn Insurance

Barn Insurance Royce City Tx – Call For Better Coverage!

Royce City Tx Barn Insurance

If you are looking for Barn Insurance in Royce City Texas or the nearby areas as part of your overall Texas Farm Insurance coverage then contact the office of Country Side Insurance today.

Dial 903-378-7300 or call us toll-free at 888-505-7550 to talk to an agent about your Texas Farm Insurance needs.

We are available to take your calls Mondays through Fridays from the hours of 8:30 AM to 5:00 PM, with a lunch break from 12:00 PM to 1:00 PM.

To request a free quote online, click an option below to open up our simple online quote request form and submit your request for free farm insurance quotes today:

Barn Insurance Royce City Tx – Claims Scenario Part 6

In our last entry into our ongoing claims scenario, farm owners Connie and Jerry asked their relative, Uncle Frank, to perform an inspection of one of their barns which they want to convert into a home, drawing inspiration from various home improvement shows.

After his careful inspection, Uncle Frank informed the couple that there is indeed some damage. Water has seeped into the concrete over time. During freezing temperatures, the water inside the pores, cracks, and crevices freezes and expands, causing damage.

What does Uncle Frank’s diagnosis mean for Connie and Jerry? Let’s find out.

“What do you think we should do, Uncle Frank?” asks Connie, concerned.

“Yeah, is there something we can do to mitigate the costs here?” asks Jerry, “or is this whole project going to be dead on arrival?”

Uncle Frank chews for a moment, then responds: “If I were you, I would call up your insurance agent and ask her whether water damage to the barn’s walls and foundation such as this is covered by your insurance.”

If it is,” he continues, “then, obviously, you’ll have nothing to worry about because the repairs will be paid for. If not, though, then you will have no choice but to pay for the repairs yourself. And I have some bad news for you if it isn’t covered.” Frank pauses before saying “it’s going to cost a bunch to fix this.”

Connie and Jerry decide to take Uncle Frank’s advice. After Uncle Frank leaves, Connie picks up the phone and promptly calls up their insurance agent, Mary.

“Hi Connie,” says Mary after answering the phone.

“Hi Mary,” replies Connie. “My husband and I have had our farm policy with you for the last several years and we have a question about our policy that covers one of our barns. Do you think you could help us out with some information?”

“It would be my pleasure, Connie,” Mary answers. “What is it you would like to know?”

Click on Royce City Tx Barn Insurance to read Mary’s answer in Part 7.

Royce City Texas Barn Insurance – Call Us Up Today!

Call Country Side Insurance at 903-378-7300 or toll-free at 888-505-7550 or visit one of the links below to request a free quote any time:

Greenville Tx Barn Insurance

Barn Insurance Greenville Tx – Speak with an Experienced Agent Today!

Greenville Tx Barn Insurance

Are you a farm owner looking to insure a new barn or outbuilding, or are you looking to re-shop your current insurance plan on your existing barn or related farm buildings?

If you answered “yes” to either of those questions, please contact Country Side Insurance today for great options on Barn Insurance in Greenville Texas.

Would you like to receive a free North Texas Barn Insurance estimate from insurance providers operating in your area?

If so then speak with an experienced Country Side Insurance agent today by dialing 903-378-7300 (local) or 888-505-7550 (toll-free).

Agents are available by phone Monday through Friday from 8:30 AM to 5:00 PM (with a lunch break between 12:00 PM to 1:00 PM).

Another great way to request a free estimate is by visiting our farm insurance quotes page.

To access the quotes page, click on your location from the options listed below and fill out the electronic form. A Country Side agent will respond to you promptly.

Barn Insurance Greenville Tx – Claims Scenario Part 2

In part 1, we introduced you to Connie, a farm owner and mother who for years has wanted to move her family into a new home because her current home is a bit outdated.

She also wants a build on a different location so that her home is more conveniently located near the fields and other outbuildings on her farm.

Connie is also super frugal.  She is reluctant to pay top dollar for contractors that are so busy they are charging outrageous pricing for new home construction.

After seeing a magazine photo of a “barndominium” (a barn-turned-home), she resolved to convert one of her larger barns – one that is in just the right place on her property – into a new home for herself and her family.

Connie’s husband, Jerry, is skilled as a handyman contractor. Before getting married Jerry worked for 5 years in construction and is quite handy around the farm.

Jerry convinces Connie that he can remodel their barn into a beautiful home for much less than it would typically cost if they hired a construction company.

Jerry begins the project by doing an informal inspection, taking measurements and trying to get an idea on how to best design the layout of the barn for the conversion. He moves some plywood out of the way that was stacked up against the southeast corner of the barn.

After moving the plywood, Jerry notices water damage permeating a good portion of the wall that was hidden.

He takes a screwdriver out of his leather carpenter’s pouch and gently pokes the wall with it. It promptly goes right through the wall up to the hilt causing Jerry to lose his balance. He instinctively uses his hands to try to catch himself as he stumbles forward and ends up going partially through the wall with his hands, head, and shoulders!

Jerry is momentarily stunned. He gently moves back to prevent further damage.

He shakes himself off and says “Uh Oh. We have a problem.”  He gets his cell phone out to call Connie and tells her to get out to the barn immediately.

After further investigation they find that water has apparently been leaking for some time via the plumbing and there is a chance the foundation has been damaged because of the water leak.

What happens next? We’ll learn more about that in Part 3.

Allow Us to Help You Find Greenville Texas Barn Insurance!

Feeling overwhelmed by the search for affordable rates and coverage on your Greenville Barn Insurance? We can help!

Allow the knowledgeable insurance agents of Country Side Insurance to shop the farm insurance marketplace to help you find the coverage you need for your farm.

Call our office locally at 903-378-7300 or toll-free at 888-505-7550 and find out how much you may be able to save by allowing us to help you with your insurance needs.

And remember: you can click on a location near you from the options below to request a free quote any time.

Barn Insurance Bonham Tx

Find Big Savings on Bonham Tx Barn Insurance!

Barn Insurance Bonham TxAre you looking for affordable rates on Barn Insurance in Bonham Tx?

Do you want to reduce your rates while maintaining or improving the quality of your current coverage?

If the answer to these questions is “yes” then you have come to the right place.

Call Country Side Insurance today by dialing 903-378-7300 (direct) or 888-505-7550 (toll-free) to talk with one of our farm insurance specialists.

Our office is open from 8:30 AM to 5:00 PM every Monday through Friday to serve your insurance needs.

Our agents can set you up with a free estimate on insurance for the barns, sheds, and other outbuildings on your farm.

Many barns and related farm buildings are underinsured. A Country Side agent can help to assess the up-to-date value of your barn or outbuilding so that you can purchase a Bonham Barn Insurance policy that fits your coverage needs.

To request a free quote after normal business hours you can fill out an online quote request form.

To access the form, take a look at the following locations we serve and click the one closest to you:

Barn Insurance Bonham Tx – Be Sure to Read the Exclusions!

When it comes to understanding your Bonham Texas Farm Insurance policy, it is of the utmost importance that you pay attention to your policy’s exclusions of coverage.

Exclusions of coverage, as the name implies, are events, damages, or practices for which coverage does not apply. They can differ from policy to policy and between companies, so it’s important to always be aware of the exclusions laid out in your current policy.

One reason you should scrutinize your policy’s exclusions is that you may be surprised by some of the exclusions you find. Many of a given policy’s exclusions will seem like common sense but there are bound to be a few that contradict your intuitions.

For example, many people assume fire damage would be covered by their dwelling policy, and in most cases they would be correct. However, many people also assume that flooding damage is covered by their dwelling coverage, yet this is often not the case.

In our next article, which you can jump to by clicking on Bonham Tx Barn Insurance, we will take a look at a fictional insurance claim scenario and pose the question, “would this be covered?”

So check in next time or click the link above to explore this fictional scenario.

Barn Insurance Bonham Texas – Call Us Today for Better Rates!

You can reach the offices of Country Side Insurance by dialing 903-378-7300 (direct) or 888-505-7550 (toll-free).

Speak with an agent today for better rates on Bonham Barn Insurance or click on a location near you in the list below to access our free online quote form:

Cooper Tx Farm Insurance

Cooper Tx Farm Insurance May Be More Affordable Than You Think!

Cooper Tx Farm Insurance

Farm Insurance in Cooper Texas might be far more affordable than you think!

Want to find out?

Call the licensed agents of Country Side Insurance right away at 903-378-7300 (direct) or 888-505-7550 (toll-free) and ask for a free quote on Texas Farm Insurance in your area.

We’re available Monday through Friday from 8:30 AM to 5:00 PM CST, with a lunch break from 12:00 pm to 1:00 pm.

Click an option below to request a free quote via our online form:

Farm and Home Insurance in Cooper Texas – Series Recap

Now that we’ve finished our twelve part series illustrating the importance of having quality farm insurance in Texas, we would like to summarize the story, recap the main points, and provide a table of contents for quickly navigating to each of the twelve parts of the series.

We’ll begin with Parts 1 through 6:

Part 1: Gainesville Tx Farm and Home Insurance

In Part 1 we were introduced to Jonathan T. Wadsworth III who was driving his brand new Maserati through the country. He only just noticed a cow standing in the middle of the road in time to swerve at high speed and roll his beautiful new car into a patch of farmland.

Farmer Shuck, the owner of the cow (named Bessie) heard the crash and called 911.

Part 2: Farm and Home Insurance Gainesville Tx

In Part 2 Jonathan T. Wadsworth’s father, a wealthy oil tycoon sues Farmer Shuck for liability because Bessie the cow was his responsibility.

Part 3: Whitesboro Tx Farm and Home Insurance

In Part 3, we explore whether Farmer Shuck is to blame. We learned about Stock Laws and that if the county has a stock law on the books and Farmer Shuck can be shown to have been negligent, then he could potentially be held liable

Part 4: Farm Insurance Whitesboro Tx

In Part 4, we learned that another factor in this situation is the type of road on which the accident occurred. If Bessie had been standing on a federal or state highway, the county’s stock law would not apply. The crash occurred on a country road, however, so if there is a stock law then it would apply. After checking with the local government the defense learns that there is indeed a stock law.

Part 5: Paris Tx Farm Insurance

In Part 5, we learned that in order to prove that Farmer Shuck is liable, it must be shown that he knowingly allowed Bessie the cow to roam freely and discussed some examples of evidence that would point to such a conclusion.

Part 6: Farm Insurance Paris Tx

In Part 6, the court found that receipts showing Farmer Shuck repaired his fence responsibly in the past proved that he is not liable for the car accident. Even though he won the suit, his legal expenses were high. That’s why he’s glad his farm insurance policy has a provision designed to cover legal fees incurred when lawsuits are filed.

Farm And Home Insurance in Cooper Tx – Call The Hometown Agents of Country Side!

To request a free quote, give us a ring at 903-378-7300 (direct) or 888-505-7550 (toll-free).

To request your free quotes online, choose the appropriate option below:

Farm Insurance Emory Tx

Find Better Coverage for Farm Insurance in Emory Tx

Farm Insurance Emory TxWant to find better coverage and pricing for Farm Insurance in Emory Texas? Then don’t hesitate to pick up the phone and dial 903-378-7300 (direct) or 888-505-7550 (toll-free) to contact Country Side Insurance!

Country Side Insurance is open Monday – Friday from 8:30 AM to 5:00 PM CST, with a break for lunch between 12:00 pm and 1:00 pm.

Our friendly agents are ready and willing to answer your questions, provide you with free quotes, and offer advice.

To get started with your free quotes electronically, click on the location nearest to you in the list below and fill out the short form that appears:

Farm and Home Insurance in Emory Texas – Would This Be Covered? Part 10

In our last entry, the plaintiffs’ legal team presented evidence to the jury that does not look good for Farmer Shuck.

The evidence consisted of photographs taken of Farmer Shuck and his farm during an interview conducted as part of an agricultural study performed by a Dallas firm several months ago.

In the background of the photos, the lawyers pointed out, there can be seen a segment of fence that is damaged to the point that it would not be difficult to imagine cows being able to roam outside of the fence boundary, just as Bessie the cow had done.

Farmer Shuck had claimed early on in the trial that he always repaired his fence in a timely and responsible manner, but because he was not able to produce any receipts or records to suggest that this was the case, the lawyers were able to frame the photos as evidence that he was not as responsible about repairing his property as he claimed.

Due to the angle and framing of the photographs, it is impossible to know whether the damaged section of the fence depicted in the photo is the same section that Bessie the cow escaped through. If it is the same section of fence, the lawyers argue, then it’s clear that the fence remained unfixed for several months at least.

The jury seems to agree.

What implications does this have for Farmer Shuck and his farm insurance? Find out next time.

Farm and Home Insurance in Emory Tx – Call Country Side Today!

If you are in need of better prices or coverage options for your Emory Tx Farm and Home Insurance, call Country Side Insurance right away by dialing 903-378-7300 (direct) or 888-505-7550 (toll-free). Our agents are standing by.

To request a free quote, click on an option below containing a location near you:

Winnsboro Tx Farm Insurance

Winnsboro Tx Farm Insurance – Great Rates and Even Better Service!

Winnsboro Tx Farm Insurance

For great rates and even better service on Winnsboro Tx Farm Insurance, call the agents of Country Side Insurance at 903-378-7300 (direct) or 888-505-7550 (toll-free).

We are open Monday – Friday from 8:30 AM to 5:00 PM CST, with a break for lunch between 12:00 pm and 1:00 pm.

Click the appropriate link below to request a free quote online 24/7:

Farm and Home Insurance in Winnsboro Texas – Would This Be Covered? Part 8

In Part 7, we concluded the story of Jonathan Wadsworth Jr., his crashed Maserati sports car, Bessie the cow, and her owner Farmer Shuck.

After being sued by the Wadsworth family for the destruction of the Maserati, Farmer Shuck was ultimately found not to be responsible for the damage.

Among other things, the case primarily hinged on whether or not the plaintiffs could demonstrate that the farmer had effectively allowed his cow, Bessie, to roam freely beyond his property.

Farmer Shuck was able to show that his fence was kept in reasonably good condition and previous damage to it had been repaired in a timely manner and the court agreed with him.

Not only that, but Farmer Shuck’s insurance company covered the costs of the trial.

We ended last week’s article with a new question: What if these events had led to a different outcome?

Let’s wind the clock back to just before the start of the trial.

In this alternate telling of the story, let’s imagine that Farmer Shuck was not able to find any receipts or records of previous repairs to his fence.

Let’s also imagine that the plaintiffs were able to produce some additional evidence to strengthen their case.

The legal team working on behalf of the Wadsworth family finds some records online of a news report from several months ago. The local news excerpt reported that a firm based in Dallas profiled several local farmers for a study being performed on the agricultural community in the area.

It just so happens that Farmer Shuck was one of the farmers who was profiled.

The legal team contacts the Dallas firm and is able to procure some photos taken of Farmer Shuck and his property during the study.

What is depicted din these photos and how could it change the outcome of the trial? Find out next time.

Contact Country Side for Farm And Home Insurance in Winnsboro Tx

If you have not yet requested free quotes on Farm and Home Insurance in Winnsboro Texas, it’s not too late. Call us today at 903-378-7300 (direct) or 888-505-7550 (toll-free) or request free quotes through our online form by clicking on the location nearest to you from the list below:

Paris Tx Farm Insurance

We Offer Some of the Best Rates in the Area for Paris Tx Farm Insurance! 

Paris Tx Farm Insurance

Are you looking to improve your premium rates for Farm Insurance in Paris Tx? 

Would you like to see rate quotes on Texas Farm Insurance from the top providers? 

If so, then call up the friendly agents of Country Side Insurance at 903-378-7300 (direct) or 888-505-7550 (toll-free). 

Our office is open for calls 8:30 AM to 5:00 PM CST Monday through Friday, with a lunch break between 12:00 pm and 1:00 pm. 

Would you like to request a quote right away? Call and speak with one of our Farm Insurance Specialists during normal business hours or, if you find us after hours, use our online quote request options below. 

To open the form, just click on your location in the list below. If you don’t see your town, you can choose the “All Unlisted Areas” option. 

This service is available 24 hours a day, 7 days a week, so feel free use it any time:  

Farm and Home Insurance in Paris Texas – Would This Be Covered? Part 5 

In part 4 of our fictitious insurance scenario about a car accident that occurred as a result of an escaped cow wondering off into the middle of a road, we began to answer the first of two questions raised by the lawsuit that was served to Farmer Shuck by the Wadsworth family. 

To refresh your memory, here are those two questions once more: 

  1. Is Farmer Shuck to blame for the car accident?
  2. If so, will his farm insurance cover the costs of the lawsuit?  

This week we will continue to address the first question: Is Farmer Shuck to blame? 

In our last entry, we established that, because Bessie the cow was standing on a country road rather than a federal or state highway, the county’s stock law would apply to this situation. 

A stock law is a legal limitation on the ability of farmers to allow their livestock to freely roam. It is expected that farmers must keep their farm animals confined. 

We also established that the county does, in fact, have a stock law on the books. 

Put simply, the Wadsworths must demonstrate that Farmer Shuck was negligent in regards to the keeping of his farm animals. 

How might the court determine whether he behaved with negligence? 

The plaintiffs would have to prove that Farmer Shuck knowingly allowed his cow to freely roam, a distinction that is based on such things as: 

  • Evidence of open gates, broken fencing, or a disregard for keeping a closed range;
  • Evidence of previous livestock escapes and any actions Farmer Shuck took to improve the situation;
  • Low quality fencing that is not fit for normal livestock purposes.

So, did the plaintiffs find evidence of these things after investigating Farmer Shuck? We will look at that in our next entry. 

“Car Accidents & Livestock in Roadway | Texas Fence Law.” Rasansky Law Firm. November 17, 2016. Accessed November 15, 2017. jrlawfirm.com/blog/accidents-caused-by-cows-or-livestock-in-texas/.

Paris Texas Farm and Home Insurance – You Can Request a Quote Right Now! 

Call us during normal business hours or send us a request for quotes around the clock by using any of the links below closest to your area: