Home Insurance
Homeownership is a dream for many people and is a huge achievement. A home is the biggest investment...
Auto Insurance
With numerous options available on the market finding the right coverage, that is reasonably priced ....
Life Insurance
Life Insurance is a contract between the Insured (the policyholder) and the Insurance Company...
About Pawa Insurance Group
At Pawa Insurance Group, we strive to thoroughly understand the unique needs of our clients, both in the short and long term, ensuring they can make informed decisions when choosing the right insurance coverage. We appreciate that securing insurance for your loved ones and business is a vital, emotional decision, and we are here to provide customized solutions that meet your specific requirements at a competitive rate.
With our years of experience and commitment to exceptional customer service, we are dedicated to offering helpful information, personalized support, and ongoing guidance. Our success is built on cultivating relationships, focusing on client satisfaction, and growing through referrals.
We are proud to be your trusted partner in protecting what matters most—both now and for generations to come.
Why Choose
Pawa Insurance
Like any combo, your home and auto insurance policies belong together. Whatever your insurance coverage needs are, we're here to help life go right. Get a quote or talk to an agent.
What our beloved
client says
With 20+ Years of Customer Service Experience. Together we can find solutions to address your insurance coverage requirements at a price that fits your budget.
Sheeraz Khan
Excellent service. Roman was recommended to me by my mortgage loan officer. He is very knowledgeable and informed about the insurance market/policies. He provided very good rate for my new home owner's insurance and also managed to get a better rate for auto policy renewal. I strongly recommend Roman to anyone who's in the market for insurance.
Victor Fernando
Roman Pawa from Pawa Insurance Group is the BEST insurance guy I’ve ever worked with. When i was doing home insurance shopping i connected with multiple Insurance companies and trust me he made life easy by explaining me the policy in details, provided me best rates compared to other companies and on top of that took very less time in taking the property details compared to others. He is the best in the Home Insurance world. If you want to have peaceful sleep then do work with him.
Sahil Ahuja
Excellent service. Roman was recommended to me by my mortgage loan officer. He is very knowledgeable and informed about the insurance market/policies. He provided very good rate for my new home owner's insurance and also managed to get a better rate for auto policy renewal. I strongly recommend Roman to anyone who's in the market for insurance.
Abhijit Maji
Best experience with Pawa Insurance Group. Not only the insurance, their financial advices are top notch. I saved significantly for my homeowners insurance and also found a good financial advisor. They truly care about their customers and do not hesitate to go an extra step to satisfy the customers needs.
Jimmy Potts
We got a great quote on our home policy and they took time to explain all the coverages and discounts. Saving us 100's of dollars a year. I highly recommend them.
Dan Nallasivan
Roman Pawa is a Good person, honest and trustworthy. He offers more than insurance and is well savvy in many financial services as well. Very pleased and is indeed a breath of fresh air !
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Frequently Asked Questions
Home insurance provides financial protection against loss or damage to your home and belongings due to events like fire, theft, or natural disasters. It can also protect you from liability if someone is injured on your property.
A typical home insurance policy covers your home structure, personal belongings, liability protection, and additional living expenses if you're temporarily unable to live in your home. However, coverage varies, so it’s essential to review your specific policy.
You should have enough coverage to rebuild your home in case of total loss and replace your personal belongings. Additional coverage might be needed based on factors like location or valuable items.
Most standard home insurance policies do not cover flood damage. You may need to purchase a separate flood insurance policy to protect your home against flood-related damage.
Liability coverage protects you if someone is injured on your property or if you accidentally cause damage to someone else's property. It helps cover legal expenses and damages.
To file a claim, contact your insurance provider as soon as possible after an incident. Provide details about the damage, and your insurer will guide you through the claims process.
Your premium is affected by factors such as the home's location, age, construction type, coverage amount, and claims history. Safety features, like security systems, can lower your premium.
Auto insurance covers damage to your vehicle, medical expenses, and liability if you’re involved in an accident. Coverage typically includes collision, comprehensive, liability, and medical payments.
Yes, even if you don’t drive frequently, most states require you to have at least liability coverage. It also protects you from financial loss if an accident occurs.
A deductible is the amount you pay out of pocket before your insurance kicks in. For example, if you have a $500 deductible and $2,000 in damage, you would pay $500, and your insurance would cover the remaining $1,500.
You can lower your insurance premiums by increasing your deductible, bundling policies, installing safety features in your home or car, and maintaining a good claims history.
Life insurance provides financial protection for your loved ones if you pass away. It's essential if you have dependents, outstanding debts, or wish to leave a financial legacy.
Term life insurance provides coverage for a set period (e.g., 10, 20, or 30 years), while whole life insurance covers you for your entire life and includes a savings component that builds cash value.
The amount of life insurance you need depends on factors like your income, debts, living expenses, and future financial goals for your beneficiaries
Umbrella insurance provides extra liability coverage beyond your home or auto insurance policies. It’s useful if you have significant assets that need additional protection.
Renters insurance protects your personal belongings in a rental property and provides liability coverage if someone is injured in your rented space.
Yes, your landlord’s insurance typically only covers the building structure, not your personal belongings. Renters insurance ensures your possessions are protected.
It’s a good idea to review your insurance policies annually or when you experience significant life changes (e.g., buying a home, having a child, or retiring).
If you miss an insurance payment, your policy may lapse, and you could lose coverage. It’s important to make payments on time or contact your insurer if you’re having difficulty.
Yes, you can adjust your coverage or switch providers at any time. Just be sure to review your current policy and any potential cancellation fees before making changes.
Frequently Asked Questions
To file a claim, contact your insurance company or agent as soon as possible after an incident. Provide all necessary information, such as the date, details of the event, and any supporting documentation (photos, receipts, etc.). Your insurer will guide you through the next steps.
Typically, you will need details such as the date and description of the incident, a police report (if applicable), photos of the damage, receipts for any repairs or replacements, and your policy number.
The timeframe to file a claim varies depending on the type of insurance and the event. It’s best to file as soon as possible after the incident to ensure you meet any deadlines set by your policy.
Once you file a claim, an adjuster may be assigned to investigate the incident. They will assess the damage or situation, review your coverage, and determine the amount you’ll be reimbursed based on your policy.
Claim processing times vary depending on the complexity of the claim and the insurance company’s procedures. Simple claims may take a few days, while more complex ones (such as those involving extensive property damage) may take weeks.
Filing a claim can potentially result in an increase in your premium, especially if you file multiple claims within a short period. It depends on your insurer’s policy and the nature of the claim.
A deductible is the amount you pay out of pocket before your insurance kicks in. For example, if your claim is for $5,000 and your deductible is $500, you will pay $500, and the insurer will cover the remaining $4,500.
If the cost of repairs or damage is less than your deductible, it may not be worth filing a claim. You’ll be responsible for covering the full cost, and filing a claim for a small amount might affect your future premiums.
Yes, a claim can be denied if the incident isn’t covered by your policy, if you fail to provide sufficient documentation, or if the insurance company determines the damage resulted from intentional or non-covered causes.
If your claim is denied, review the reason for the denial with your insurer. If you believe the denial is incorrect, you can file an appeal or seek further clarification from your insurance company.
An insurance adjuster evaluates your claim, inspects the damage, and determines the amount your insurance company should pay based on your policy. They act as the liaison between you and the insurer during the claim process.
In certain situations, insurers may provide an advance payment to cover immediate expenses before the full claim is processed. This can be helpful for things like temporary housing or emergency repairs.
Some insurance companies require multiple repair estimates to ensure that the claim amount is accurate and fair. It’s always a good idea to confirm your insurer’s requirements before proceeding with any repairs.
Yes, most insurance policies allow you to choose your own repair contractor. However, your insurer may also provide a list of preferred contractors. It’s important to work with licensed professionals to ensure repairs meet your insurer’s standards.
Some insurance companies require multiple repair estimates to ensure that the claim amount is accurate and fair. It’s always a good idea to confirm your insurer’s requirements before proceeding with any repairs.
Yes, most insurance policies allow you to choose your own repair contractor. However, your insurer may also provide a list of preferred contractors. It’s important to work with licensed professionals to ensure repairs meet your insurer’s standards.
If the cost of repairs exceeds your insurance payout, you will be responsible for covering the difference. This can happen if you don’t have sufficient coverage or if the repairs exceed the scope of the claim.
Yes, filing a claim may affect any no-claims bonus or discount you have on your policy. This could result in higher premiums in the future, so it’s worth considering whether to file a claim for smaller incidents.
A partial loss claim refers to damage that can be repaired, while a total loss claim is when the cost to repair exceeds the value of the insured item (e.g., a car or home). In total loss situations, the insurer may offer to pay the full value of the item rather than repair it.
Yes, if you believe the payout is insufficient, you can dispute it by providing additional documentation or obtaining an independent estimate. Insurers usually have a formal process for handling disputes.
Yes, you can cancel a claim after filing it, but it’s essential to inform your insurer as soon as possible. Keep in mind that even canceled claims may be recorded on your insurance history.
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