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What do I do if there is a fire at my house?
Yes. We can insure an RV for road use as well as stationary use.
Yes. We provide ATV insurance including: liability, medical, and property coverage.
Yes. We sell motorcycle insurance including: liability, medical, and property coverage.
Yes. We provide boat insurance including: liability, medical, and property coverage.
Yes. We provide snowmobile insurance including: liability, medical, and property coverage.
Yes. We provide Jet Ski insurance including: liability, medical, and property coverage
Most term life insurance policies automatically renew at the end of a term. The policy is often designed to increase its price annually at the end of its term, often at significantly increased costs.
In most states, brokers are not allowed to charge any additional fees. This means that the rate the insurance company has filed with the state is the price you pay.
Every person and every family has different insurance needs. A good rule of thumb is to purchase as much liability protection as you can afford. Some things to consider:
An umbrella policy provides additional liability coverage above the coverage limits of your home, auto, and other insurance policies. This type of liability insurance protects you and your family in the event you are sued or found liable for a large claim.
To purchase an umbrella policy, most insurance companies require certain underlying limits. Generally, your home must have at least $300K in liability protection and your Auto or Motorcycle insurance must have limits of $250K/$500K.
Add the following together:
We can provide umbrella policies from $1 Million to $10 Million or more.
General liability insurance protects your business against lawsuits and claims for bodily injury or property damage caused during the course of business.
Many factors are used to determine your insurance premium. Below are some factors that you can control to help reduce your prices:
Different busiensses need different types of insurance protection. Below is a short list of different business insurance policies:
Business auto insurance is similar to your personal car insurance. The policy provides coverage for physical damage to the busienss vehicles as well as liability protection. Business car insurance generally provides higher liability limits and often additional types of protection that are not available on a personal car insurance policy. It may include cargo coverage, hired and non-owned auto coverage, and several others.
Business auto insurance is also known as commercial auto insurance, truck insurance, trucker's insurance, and business car insurance.
You can cancel your old insurance policy when you have received confirmation that a new insurance policy has been bound (is in-force)
This varies from company to company. Most insurance companies will allow you to move your insurance payment (EFT) date to an earlier date, but will not allow you to extend it to a later date. Be sure to call your insurance company or insurance agent to find out whether you can change your policy.
Most insurance policies automatically renew for a similar term at the end of the preceding term. (6 month insurance policies renew for 6 more months, 12 month insurance policies renew for 12 more months). Life insurance and health insurance have many other possibilities. Call your insurance agent or insurance company for verification.
If you have an escrow attached to your mortgage, we will gladly bill them for your homeowner’s insurance. If you do not have escrow, there are other options to pay your home insurance directly.
You can receive temporary auto insurance ID cards when your policy is bound. Permanent car insurance ID cards are generally mailed from your insurance company 1-3 weeks after your insurance policy has been bound.
Most insurance payments are due at one month intervals from the exact date that your insurance policy was issued. If your insurance policy is not paid monthly, then your payments are generally due 6-months or 1-year from the date the policy was issued.
Most insurance companies offer a discount for the electronic payment method, due to the reduced cost of processing paperwork.
Homeowner’s insurance policies are designed to rebuild your home in the event of a loss. The cost to rebuild a home and the purchase price of a property are generally much different due to things like specialty construction or the value of land.
Life Insurance, Health Insurance, Business Insurance, Auto Insurance, Home Insurance, and many other specialty insurance policies.
Most of our insurance companies offer ID Theft Protection as part of their homeowner’s or renter’s insurance package. Be sure to ask your agent about it.
Many clients have found they save money by not purchasing the windshield replacement coverage. If windshield replacement is an important protection to you, please be sure to ask your agent for a company that offers it.
Every insurance policy varies in what it does and does not cover. Please be sure to bring any insurance questions you might have to your agent.
For home and auto insurance, insurance companies do not generally pull credit reports while quoting or issuing insurance policies.
Med-pay coverage is always a good idea to add to your auto insurance. This coverage will help pay the medical bills for you or your passengers in the event you are in an accident. In some states this is a required coverage.
Many of our companies offer additional benefits to their policies. Including but not limited to: Supplemental Death Benefits, ID Theft Protection, and Disappearing Deductibles.
This is a reward to good drivers. Over time, as you are accident-free and remain with the same insurance company, your insurance deductible will diminish by a certain amount. (Usually $100/year)
Nearly all of our companies provide a lifetime guarantee on parts and workmanship for repairs from a covered claim.
Many of our insurance companies have partnered with certain car repair facilities. They have been chosen because they meet or exceed certain quality standards that are important to ensure your satisfaction. Please ask your insurance agent or your insurance adjuster for a recommended car repair facility.
Many factors are used to determine your insurance price. Below are some factors that you can control to help reduce your prices:
Many factors are used to determine your insurance cost. Below are some factors that you can control to help reduce your prices:
Your agent will gladly schedule expensive items on your homeowner’s or renters policy. This will provide you with increased insurance for valuable or irreplaceable property. This type of policy can insure jewelry, firearms, collectibles, and artwork.
Whether or not at fault, anyone can be sued. And multimillion dollar judgments have become all too common. Even if a court decides in your favor you may still have to pay legal fees and court costs. An umbrella policy can pay for these costs up the policy limit.
Most HOA insurance does not cover the interior of condos. This includes wall finishing, light fixtures, appliances, carpeting, and even cabinets and sinks. Without an individual condo or townhome insurance policy, a serious loss could cost you tens of thousands of dollars.
In many situations it does not. Be sure to read the language of your policy and speak to your agent to determine if you need a Business Insurance Policy. In many cases Business Insurance Policies can be very inexpensive and help provide valuable protection.
More than 50 percent of flood insurance claims occur in areas considered to have a low flood exposure. Even if your home is not in a flood plain, your home could suffer flood damage. Homeowner’s insurance policies do not cover flood damage. Ask your agent today for a quote.
The majority of our homeowner’s insurance policies provide guaranteed replacement cost. This significantly increases the protection that your homeowner\'s insurance policy provides. Please be sure to ask your agent if you have this on your policy.
We provide you with many ways to manage your insurance. Nearly all of our insurance companies provide extended service hours to make policy changes. Please look for the service number on your ID Card or in your insurance policy. Also, many of our companies provide a website where you can access your insurance policy and make minor policy changes. Finally, our insurance agencies are available to help with your policy during normal business hours Monday through Friday.
Collision coverage is a part of an auto insurance policy that pays for damage to your car if you are in an accident.
Comprehensive coverage (comp coverage) is a part of an auto insurance policy that pays for damage to your car from a fire, theft, vandalism, or many other. It is generally used for claims that occur while the vehicle is parked.
Auto liability insurance protects you and your family against claims for bodily injury or property damange caused by an auto accident in which you or your covered family members are considered legally responsible.
Med Pay is a part of your auto insurance policy that pays for medical services that you or your passengers need if you’re involved in an accident.
UM or UIM is a part of your auto insurance policy that pays for damages caused by other drivers who do not have any or enough insurance. UM/UIM can also pay if you or your passengers are injured from a hit-and-run accidents.
Rental reiumbursement is a part of your auto insurance policy that will help pay for your rental car while your car is being repaired due to a covered accident.
If you have a question that is not listd here please feel free to contact us!