- Trusted Independent Agency Since 2011
1.Why do I need insurance?
To protect you and your family's assets in a claim situation. Â
2.What is a deductible?
A deductible is the portion of a claim that you are responsible to pay.Â
3.Who should I call if I want to file a claim?
We always prefer that you contact us first so we can properly advise you. If not during business hours, please contact your insurance company direct.
4.What is the difference between comprehensive and collision?
Comprehensive coverage provides coverage for physical damage to your vehicle in situations such as hitting a deer, glass replacement, theft, etc... Collision insurance covers your own vehicle when involved in an at-fault accident.
5.What if I am involved in an accident with an uninsured driver?
As long as you have uninsured/underinsured motorist coverage or collision coverage, your insurance will cover the damages to your vehicle. We include UM/UIM on every policy unless you request that it be removed.
6.How can I lower my insurance costs?
Bundle your home and auto with the same company, keep a clean driving record, ask about telematics, paperless and paid-in-full discounts, and consider a higher deductible. We also shop multiple companies to find you the best rate.
7.What is Umbrella Insurance?
Excess Liability. Sometimes used interchangeably with âumbrella,â âexcess liabilityâ refers to extended liability coverage.
8.What is liability?
Liability is your legal responsibility for damages.
9.Are my personal belongings covered with my home?
Homeowners insurance typically has a coverage known as personal property that helps repair or replace these items if they are lost, stolen or destroyed in a claim situation.
10.What is a Certificate of Insurance?
Often when a business enters a contract with another entity they must provide proof of their insurance, we can create a dated document showing your most current insurance coverages and limits.