Ayotte-Cabral Insurance Agency is an independent insurance agent, which means we show our commitment to the community by not being yoked to one insurance provider. We gather all your information, then compare price and coverages with 20-30 different insurance companies, assuring you get the best coverage for your specific needs at the most affordable price available.

Unfortunately most people do not understand their insurance policies and may even feel that no one has taken the time to explain it to them. I take a different approach as I want individuals and businesses to know what their coverages are, what exclusions exist in the policies so that they can make informed decisions.

Did you know that earthquake is specifically excluded from ALL PROPERTY POLICIES? That means if you have a home, if you are renting, if you own a condominium or rent out that condominium, if you own a commercial building, etc, etc, THERE IS NO COVERAGE FOR EARTHQUAKE. Problem is, if you have a mortgage on the property, the mortgage company still wants their money even if you have a loss that is not covered under your property policy. The easiest solution is to know your options. Know if coverage can be added onto the policy and what the additional cost might be. Know if coverage can not be added, does that mean that you need to look to alternative companies for the coverage or do you need to purchase a separate policy for that particular coverage.

Would you like straight answers to your insurance questions, please call, respond to this blog or e/mail me and I will give you help and guidance.

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With the extensive knowledge I’ve gained from 23 years of experience in the insurance industry, I provide individual and business consumers with insurance policies that meet their very specific needs, from homeowner and automobile policies to Business Owner’s, Commercial Package Policies, Worker's Compensation, Professional Liability, and the rest. The knowledge I share with my clients and potential clients is as important as price, because my clients benefit from and appreciate the understanding I offer of what each policy provides in coverages, exclusions and limitations, giving them the ability to make informed decisions that are right for them.

I am Charlene A. Cabral, owner of Ayotte-Cabral Insurance Agency, where we hold the torch to light your way, helping to keep your dreams a reality!