Quick answers to the questions we hear most often. Can't find what you're looking for? Call us at 605.232.3333.
Unlike captive agents who work for a single company, independent agents like Markve Insurance represent multiple carriers. We compare coverage and pricing across 20+ top insurers to find what's best for YOU — at no extra cost to you.
We are licensed to write insurance policies in 12 states: Arizona, Arkansas, Colorado, Iowa, Kansas, Minnesota, Montana, Nebraska, North Carolina, North Dakota, South Carolina, and South Dakota.
Most quotes are delivered same-day, often within a few hours. Fill out our online form or call 605.232.3333 and one of our agents will reach out with personalized options.
Absolutely! Bundling home and auto — or adding other policies — typically saves 10–25%. We always look for bundling opportunities and every available discount when building your quote.
Call us at 605.232.3333 or visit our Claims page. We'll guide you through the entire process and advocate on your behalf to ensure a fair settlement.
Actual cash value (ACV) pays the depreciated value of damaged property. Replacement cost value (RCV) pays what it costs to replace the item new today. RCV coverage costs a bit more but provides significantly better protection.
Standard home and renters policies do not cover flood damage. If you're in or near a flood zone, separate flood insurance is strongly recommended. We can help you evaluate your flood risk and find coverage.
Umbrella insurance provides an extra layer of liability protection above your home and auto policy limits — typically $1–5 million. It's surprisingly affordable (often $150–$300/year) and recommended for anyone with assets to protect.
Our agents are compensated through commissions paid by the insurance carriers — not by you. This means our quotes and advice are completely free to you, with no hidden fees.
First, make sure everyone is safe and call 911 if needed. Document the scene with photos, exchange information with the other driver, and call us at 605.232.3333. We'll guide you through the claims process from there.
