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Questions? Call us at (347) 896-5411
Contact Tungsten Insurance

Tungsten Insurance

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Business hours
Monday – Friday :
9:00 AM – 6:00 PM
Saturday :
10:00 AM – 2:00 PM
Sunday :
Closed
Frequently asked questions
Got questions? Let’s break it down
Coverage types
Home & auto
Business insurance
Life & financial planning
Saving & bundling
What types of insurance do you offer?
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We help with home, auto, business, and life coverage — built together so everything works as one plan.

Do I need multiple policies or just one?
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Most people need a combination. We structure coverage so everything works together without overlap.

What’s the difference between personal and business coverage?
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Personal protects your home, car, and family. Business coverage protects operations, liability, and employees.

Can I customize my coverage?
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Yes — every policy is tailored based on your situation, not a one-size-fits-all package.

Do you help with both short-term and long-term protection?
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We build coverage for immediate protection and long-term financial security.

How do I know if my home is fully covered?
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We review your policy to make sure your home, belongings, and liability are properly protected.

What does auto insurance actually cover?
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It can include liability, collision, comprehensive, and protection for you and others involved.

Can I combine home and auto policies?
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Yes — bundling them often simplifies coverage and can reduce overall cost.

What happens if I file a claim?
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We help guide you through the process so everything moves smoothly and gets handled correctly.

Am I overpaying for my current policies?
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Many people are. We compare options across carriers to see if you’re paying more than you should.

What type of insurance does my business need?
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 It depends on your industry, size, and risk. We help you build the right mix of protection.

Does business insurance cover employees?
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Yes — depending on the policy, it can include workers comp, liability, and other protections.

What risks does business insurance protect against?
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Things like lawsuits, property damage, lost income, and operational disruptions.

Can I adjust coverage as my business grows?
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Absolutely — your coverage should scale with your business over time.

Is business insurance required?
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Some policies are required, others are optional — but all play a role in protecting your business.

What is life insurance and how does it work?
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It provides a payout to your family if something happens to you, helping cover expenses and income loss.

How much life insurance do I need?
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We base it on your income, debts, and future goals so your family is properly protected.

What’s the difference between term and permanent life insurance?
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Term covers a set period, while permanent offers lifelong coverage with added financial features.

Can life insurance be used for long-term planning?
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Yes — some policies can support wealth building and future financial goals.

Do I need a medical exam?
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Not always. Some policies require it, others don’t — we help you choose the right option.

Can bundling policies really save money?
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In many cases, yes — combining policies can lower your total cost.

How do you find the best price?
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We compare multiple carriers to find the best balance of coverage and cost.

Is cheaper insurance always better?
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Not always — the goal is smarter coverage, not just a lower price.

How often should I review my policies?
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At least once a year or whenever your life or business changes.

Can you help me switch providers?
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Yes — we handle the process to make switching simple and seamless.