Frequently Asked Questions
General Insurance Questions
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We offer a range of insurance options including auto, home, life, business, umbrella, antique vehicles, boat, RVs, motorcycles, and more.
You can lower your insurance premium by increasing your deductible, bundling your policies, and taking advantage of available discounts.
A deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in after a claim. For example, if you have a $500 deductible and file a claim for $2,000 in damages, you'll pay $500 and the insurance company will cover the remaining $1,500.
Auto Insurance Questions
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Auto insurance typically covers liability (which pays for damage you cause to others), collision (which covers damage to your vehicle in an accident), comprehensive (which covers non-collision events like theft or vandalism), medical payments, and uninsured/underinsured motorist coverage.
Factors that may affect your insurance premium include your age, driving record, location, type of vehicle, and coverage options.
Uninsured/underinsured motorist coverage can help in this situation. It provides coverage for your injuries and damages if you're involved in an accident with a driver who doesn't have insurance or doesn't have enough coverage.
Home Insurance Questions
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We offer several types of home insurance including homeowners insurance, renters insurance, and condo insurance.
Standard home insurance policies usually do not cover flood damage, earthquakes, war, nuclear accidents, and some types of neglect or intentional damage. These may require separate or additional coverage.
Renters insurance is to protect all of your valuables and belongings that traditionally are not covered under a landlord's insurance policy. It's also one of the most affordable types of insurance you can have, next to life insurance!
Commercial Insurance Questions
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We offer a range of business insurance options including liability insurance, property insurance, and workers' compensation insurance.
Business insurance provides financial protection against potential risks and liabilities that could lead to significant financial losses. It helps ensure the continuity of your business in case of accidents, lawsuits, or other unexpected events.
Yes, we offer customized policies based on the specific needs and risks associated with your business. This allows us to tailor coverage to your unique situation.
Life Insurance Questions
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We offer a range of life insurance options including term life, whole life, and universal life insurance.
Term life insurance provides coverage for a specified term, while whole life insurance provides coverage for your entire life and includes a savings component.
The amount of life insurance you need will depend on factors such as your income, debts, and family's financial needs. Our agents can help you determine the appropriate amount of coverage at extremely affordable prices.
Specialty Insurance Questions
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Specialty insurance provides additional coverage for unique risks that may not be adequately addressed by standard policies.
Some examples are marine and boating, RVs, ATVs, golf carts, motorcycles, antique vehicles, and more.
We can help assess your specific needs and recommend appropriate specialty insurance options.
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