Frequently Asked Questions

What is homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and your belongings.

What is renters insurance?

Renters insurance provides financial protection against the loss or destruction of your possessions when you rent a house or apartment. While your landlord may be sympathetic to a burglary you have experienced or a fire caused by your iron, destruction or loss of your possessions is not usually covered by your landlord’s insurance.

How often should I review my policy?

There are four events that should trigger a review of your policy:

  • When your policy comes up for renewal
  • Major purchases or alterations/improvements to your home
  • You have made your home safer
  • Major lifestyle changes

Please contact your agent anytime you make changes or improvements that involve your home.

What is auto insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

How can I save money?

The price you pay for homeowners insurance can vary by hundreds of dollars, depending on the size of your house and the insurance company you buy your policy from.  Everyone wants to save money, but don’t shop by price alone. You want a company that answers your questions and handles claims fairly and efficiently.

Selecting and agent or company representative that takes time to answer your questions is important.

How do I file a claim?

Call your insurance company as soon as the accident or loss occurs. Even if the accident appears to be minor, it is important that you let your insurance company know about the accident.  If the claim happens after business hours, check your policy for claim reporting information. Most companies have a 24 hour claim service that will assist you with your claim.

How do I pick an insurance company?

Call us, as Independent Agents we have the ability to provide optimum coverage at reasonable prices with a company the best fits your needs.

What type of business insurance coverage do I need?

Because there are many types of business risks, there are many aspects to a commercial business policy to consider. Call us and consult with an agent experienced in commercial insurance.

What are the advantages to using an agent to purchase insurance?

By using an agent to purchase insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product. A local, independent agent is able to deliver quality insurance with competitive pricing and local personalized service.