Will turning in a claim automatically increase my insurance?
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 [...]
What is an adjuster?
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 [...]
Does my insurance cover special events such as weddings?
Many venues that are rented for special occasions such as weddings and graduation open houses require proof of coverage for up to $1,000,000 in liability insurance to cover property damage and bodily injury accidents that may occur during the [...]
What is scheduling?
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 [...]
What is the difference between “replacement cost” and “market value”?
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 [...]
Do I need to have auto insurance if my vehicle is paid off?
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?
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?
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.
