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Janine Davis

Insurance Agent

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My name is Janine N Davis and with over 15 years experience, I know how to help you maintain your lifestyle through every stage of life…even the unexpected. I have worked in many aspects of insurance, including actuarial and underwriting.

My goal is to make the process easy for you. I will guide you through the process and make sure you are completely comfortable with your decision. I am passionate about helping people maintain their lifestyles and educating you on your options. We specialize in preparing individuals, families, and small groups for all stages of life. As we grow older, our lifestyle and financial needs change. We have solutions that fit your unique situation.

Cynthia Rice Ms. Janine Davis is personable and professional. She was very patient and friendly. I appreciated most, her attentiveness to my son’s, which have lifelong health challenges. She made us feel like she was picking plans for her own family. I will continue to work with her for all of my family’s healthcare insurance needs.

Shawn McCarty Very professional…On time appointment, neat and tidy office…Very patient, never felt rushed (I ask ALOT of questions)…She actually listened…Very knowledgeable…Would highly recommend.

Terry Earl The representative that served me was very professional, personal, and a joy to speak with. She helped me through all my needs and went beyond what I had expected. I would recommend this company to anyone looking for an agent to help you with Medicare. Thank You Janine Davis.

Ed Phelps Been using Janine Davis for seven years now. She has just processed my medicare. She has always walked me through everything in detail and answered questions right away. I would recommend her to anyone coming up on Medicare.Awesome lady.

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INSURANCE GUIDE

Insurance is a written contract between an insurance company (insurer) and an individual or entity for which the insurer provides protection against financial losses. The insurance company is able to provide this protection by pooling risk from a large group of individuals and entities with similar needs.

Insurance is generally designed to protect you in the event of a loss you can’t otherwise pay for, such as if you total your car or require expensive surgery.

If you don’t carry insurance, you may be 100% responsible for all related costs and expenses when an accident happens.

An insurance policy is a legal contract through which an individual or entity receives protection against unexpected financial losses from an insurance company. In exchange for a premium, the insurance company will reimburse you for losses should a covered contingency arise.

Let’s say you just bought a car and want to buy insurance, as your state requires. You and the insurance company would enter into a contractual agreement in which the insurance company agrees to protect your car against certain types of damage. Six months later, you’re involved in an accident that ruins your front fender. If your car insurance policy is in force and the damage to your fender is covered, your insurer will pay to repair the damage to any extent or limits specified in the policy.

Insurance is a way to manage unforeseen risks. The instrument by which it does this is a written contract between an insurer (the insurance company) and a policyholder (the individual or entity that gets the policy)—these documents are the insurance policy.

Purchase

Purchasing a home is one of the most important decisions you’ll make, and the right advice and guidance is paramount. Experience and expertise matter and they can make a significant difference in making sure that you not only find the right house, but that you also pay the best price.

I not only have a thorough understanding of the marketplace but I also have access to many properties that are off-market 

and an awareness of properties that are about to be listed. Most importantly, I’m keenly aware of the nuances that determine value and I am discerning as to construction quality, materials, and craftsmanship.   I will listen to your needs and find you the perfect home and I will make sure that you make an educated and informed decision. Once you choose a property I will represent your interest vociferously throughout the purchase process, negotiating the best possible purchase price, managing and advocating for you during inspections, escrow, title, and closing. I will also advise you on how to make the house even better, including furniture and design, and possibly remodel ideas and augmentations where beneficial.

Seller

Choosing the correct real estate agent to sell your home is one of the most important decisions you’ll make. It can be the difference between your home sitting on the market for months or selling quickly, for hundreds of thousands if not millions of dollars more. Your home is a very personal, important, and valuable asset, and it can be an emotional and complicated endeavor to sell it, especially in today’s challenging marketplace.

Numerous questions and concerns will need to be addressed, and the advice and consultation that you receive can make a tremendous difference in the results. Marketing and advertising, remodeling and/or upgrading, photography, internet exposure, staging, design, floor-plan measurements, videography, timing and presentation, inspections, pre-market exposure, agent outreach and relationships, open houses, pricing, and dozens more nuances and subtleties all make up the difference between failure and a successful sale.