Frequently Asked Questions

What factors affect my auto insurance rates?

These factors affect your rates:

  • Your driving history
  • Your address
  • Marital Status
  • Gender
  • Age
  • Financial Responsibility
  • Vehicle
But we do have plenty of discounts we can add to your policy to help you save as much as possible.

If I am renting why do I need insurance?

Your landlord is only covering the building. If there is a fire it could leave you in a very vulnerable position. But if you have renters insurance, you would have coverage for your personal property that was damaged because of a fire. And if you become displaced because of the fire your additional living expense coverage would cover you up to policy limits to rent a hotel while your home is being repaired, in addition to personal property and additional living expense coverage.

  • Liability
  • Medical payments to your guest

Are all homeowner policies the same?

There are different policy forms and endorsements for your homeowners policy. It is always good to discuss with your agent as to which one works best for your home.

Why is it important to do an insurance review for my business?

When you first started your policy, you had certain needs. And those are usually making sure you keep your cost as low as possible. And let's face it, insurance is not something we look forward to looking into. But as your business begins to grow so does your exposure for a loss. We love being able to help our customers by adding additional value to their policy and still being able to help them save money so they can continue to grow.