Frequently Asked Questions

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Below are some of the more frequent questions we receive as an agency.  If you have a specific question please do not hesitate to give us a call or email.

Can I get insurance coverage if I have a low credit score?2023-09-19T07:33:02-07:00

Yes, you can still get insurance coverage even with a low credit score. While credit may be considered in determining premiums in some cases, it does not necessarily disqualify you from obtaining coverage.

Remember, these answers are general in nature and may not apply to every insurance policy or situation. It’s essential to consult with your insurance provider or a licensed insurance professional to obtain specific guidance tailored to your insurance needs and circumstances.

Can I bundle my insurance policies?2023-09-19T07:33:02-07:00

Yes, many insurance providers offer discounts for bundling multiple policies, such as combining your auto and homeowners insurance. Bundling can help save money and simplify your insurance management.

What is the difference between replacement cost and actual cash value?2023-09-19T07:33:03-07:00

Replacement cost coverage reimburses you for the cost of replacing damaged or lost property with a new equivalent item. Actual cash value coverage takes depreciation into account and pays you the current value of the property at the time of the loss.

How often should I review my insurance policies?2023-09-19T07:33:03-07:00

It’s advisable to review your insurance policies annually or whenever significant life events occur, such as purchasing a new property, starting a business, or experiencing changes in your financial or personal circumstances.

Can my insurance policy be cancelled?2023-09-19T07:33:04-07:00

Insurance policies can be canceled under certain circumstances, such as non-payment of premiums, fraudulent claims, or material misrepresentation. Review your policy terms or contact your insurance provider for specific details.

How do I file an insurance claim?2023-09-19T07:33:04-07:00

To file an insurance claim, contact your insurance provider as soon as possible after an incident. Provide all necessary documentation, such as photos, police reports, and receipts, and follow the claims process outlined by your insurer.

What happens if I don’t have insurance coverage?2023-09-19T07:33:05-07:00

Without insurance coverage, you may be personally responsible for any financial losses, damages, or liabilities that occur. It can lead to significant out-of-pocket expenses, lawsuits, and potential financial hardship.

Can I modify my insurance coverage?2023-09-19T07:33:05-07:00

Yes, you can modify your insurance coverage. Contact your insurance provider to discuss any changes you want to make, such as adjusting coverage limits, adding endorsements, or updating policy details.

Do I need insurance for my small business?2023-09-19T07:33:06-07:00

Yes, having insurance for your small business is important as it helps protect your assets, covers liability claims, and provides financial security. It can help safeguard your business against unexpected events that could result in significant financial losses.

What is general liability insurance?2023-09-19T07:33:06-07:00

General liability insurance provides coverage for third-party bodily injury, property damage, and personal injury claims. It protects businesses from lawsuits related to accidents, negligence, or faulty products.

How does business interruption insurance work?2023-09-19T07:33:07-07:00

Business interruption insurance helps cover lost income and ongoing expenses when a business is temporarily unable to operate due to covered events, such as fire, natural disasters, or government-mandated closures.

What is business insurance?2023-09-19T07:33:07-07:00

Business insurance protects businesses from financial losses due to property damage, liability claims, or interruptions in operations. It includes coverages such as property insurance, general liability insurance, workers compensation, and business interruption insurance.

What is umbrella insurance?2023-09-19T07:33:07-07:00

Umbrella insurance provides an extra layer of liability protection beyond the limits of your underlying insurance policies, such as homeowners or auto insurance. It offers additional coverage in case of high-value claims or lawsuits.

What factors affect my auto insurance premium?2023-09-19T07:33:08-07:00

Factors such as your driving history, age, location, type of vehicle, coverage limits, deductibles, and credit score can influence your auto insurance premium.

Why do I need auto insurance?2023-09-19T07:33:08-07:00

Auto insurance is required by law in most states. It provides financial protection in case of accidents, damage to your vehicle, injuries to others, and liability claims. It also covers medical expenses, legal costs, and property damage.

What does renters insurance cover?2023-09-19T07:33:09-07:00

Renters insurance provides coverage for personal belongings and liability for renters. It protects against losses due to theft, fire, water damage, and certain liabilities. It also offers additional living expenses if you need to temporarily move out due to covered events.

What is homeowners insurance?2023-09-19T07:33:09-07:00

Homeowners insurance protects your home and belongings against risks like fire, theft, vandalism, and certain natural disasters. It typically covers the structure, personal property, liability, and additional living expenses if your home becomes uninhabitable.

What does P&C insurance typically cover?2023-09-19T07:33:10-07:00

P&C insurance covers a range of areas, including homeowners insurance, renters insurance, auto insurance, business insurance, liability insurance, and other specialized policies depending on your specific needs.

What is Property and Casualty (P&C) insurance?2023-09-19T07:33:10-07:00

P&C insurance is a type of coverage that protects against property damage, liability claims, and loss of income resulting from events such as accidents, theft, natural disasters, or lawsuits.

Will turning in a claim automatically increase my insurance?2023-09-19T07:33:11-07:00

This is not an easy answer.  Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity.  It is our recommendation to discuss your specific claim with our claims manager to see if turning in a claim makes sense.  However, all possible liability claims need to be turned in; as the insurance company needs to be put on notice.

What is an adjuster?2023-09-19T07:33:12-07:00

An adjuster is a representative of the insurance company that helps settle a claim.  They are not employed by us.  We do not settle claims as this is done by the adjuster.  However, we will assist in making sure a covered claim is paid fairly and promptly.

What is scheduling?2023-09-19T07:33:12-07:00

Scheduling involves placing specific items with a specific value on your homeowners insurance.  It can also be called an “Inland Marine” policy.  This allows coverage for items that may be leaving your premises and would then be lost or stolen.  They can also be set at specific deductibles.  The most common items to schedule are jewelry, bikes, cameras and fine arts.

What is the difference between “replacement cost” and “market value”?2023-09-19T07:33:13-07:00

Replacement cost is the amount it costs to rebuild a home or structure.  This amount can also include demolition.  This value can be significantly different than an appraisal.  Reason being, the cost of materials to rebuild can outweigh a home or structure’s market value.  When insuring a home or structure the insurance company needs to know the replacement cost.  There are tools that our agents use to help approximate this value.

Do I need to have auto insurance if my vehicle is paid off?2023-09-19T07:33:13-07:00

Yes, it is the State law for all owners of a vehicle to have auto insurance.  It is your choice if you wish to insure for physical damage if there is not a lender involved.

What is broad form collision and can I choose something different?2023-09-19T07:33:14-07:00

Broad form collision allows you to not have to pay your deductible if you are not deemed at fault in an accident.  There are also options to choose “regular” and “limited”.  These options should be discussed with your agent.

Should I make my payments to your agency or the insurance company?2023-09-19T07:33:14-07:00

All payments should be directed to the insurance company unless specifically stated by your representative.  Please see our “billing” section if you wish to pay by phone or have a question on your billing account.

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