Frequently Asked Questions

Q. Why should you use an independent insurance agent?

A.  An independent agent can do important things for you: Agents have at their disposal the ability to quickly check prices and coverages with dozens – if not hundreds – of different insurance companies. Since rates vary widely an independent agent can very likely get you a better deal than you can get for yourself.

Q. Why is it important to maintain car insurance?

A.  Protect Yourself and Others – The right car insurance can help protect you, your family members, your passengers and other drivers. If an accident happens, you want to know you have the right coverage to take care of any property or bodily injury costs that may arise.

Q. What do car insurance companies check?

A.  Your driving record, credit score, age, where you live, and the type of car you drive are the factors insurance companies consider to determine premiums.

Q. What is not covered by car insurance?

A.  Wear and Tear and General Maintenance: Any general maintenance costs are not covered by car insurance. All cars break down over time. This is an expected cost of car ownership. Wear and tear and general maintenance is not covered by car insurance.

Q. Is it worth it to have home insurance?

A.  Having a homeowners insurance policy won’t prevent damage to your home or belongings, but it may help provide a financial safety net if the unexpected occurs. An insurance agent can help you buy a homeowners insurance policy that fits your needs so you can be better prepared for a storm or crisis.

Q. Do you need home insurance if your house is paid off?

A.  The truth is that you’re not legally required to have homeowners insurance if you own your home and don’t want to pay for it. You could very well drop your homeowners insurance policy immediately and save yourself some money, but it wouldn’t be a very good idea.

Q. What does home insurance not cover?

A.  Many things that aren’t covered under your standard policy typically result from neglect and a failure to properly maintain the property. Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered.

Q. What are the benefits of business insurance?

A.  Business Insurance Helps to Minimize Financial Losses. Without business insurance, you could be on the hook to pay for repairs, legal fees, replacement costs, and medical costs. And if you don’t have the finances to cover it, it could put your business in a bad position.