Gaeta Agency – Insurance Agency

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We Cover It All - So You Can Worry Less

We Cover It All So You Can Worry Less

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Commonly Asked Questions

1 If I have life insurance through my job, is that enough?

Usually not. Work policies are often only 1–2x your salary, and most importantly, you usually lose the coverage if you leave or lose your job. A personal policy stays with you regardless of your employer.

2 What is 'Gap Insurance' and do I need it

If your car is totaled, insurance pays the Actual Cash Value. If you owe more on your loan than the car is worth, Gap Insurance pays that “gap” so you aren’t stuck paying for a dead car.

3 Does my policy cover the market value or the rebuild cost?

Your policy covers the Replacement Cost (RCV), which is what it would cost to rebuild your home from scratch today. This is often very different from the market value (what you could sell it for), especially with current 2026 labor and material costs.

4 Does my policy cover my home office equipment?

Standard policies usually have a sub-limit (often $2,500) for business property. If you have expensive tech or inventory for your insurance agency or side business, you likely need a “Home Business” endorsement.

5 How much life insurance do I actually need?

A common 2026 rule of thumb is the DIME formula: Debt + Income (multiplied by 10 years) + Mortgage + Education costs for children.

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