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Frequently Asked Questions

How can I lower my premium?
If you want to lower your monthly premium, or buy more coverage for less money, one way is to carry a higher deductible. A higher deductible also may make sense if you believe that your chances of making a claim are remote enough to warrant assuming extra financial risk.

Why should I choose and Independent Agent?

Should I choose the minimum limits required by law?

What should Students and Parents be aware of?

Can you afford to be without Renters Insurance?


Why should I buy homeowner's insurance?
A home can require a tremendous investment of money, time, and energy. Homeowners insurance is designed to protect that investment by insuring the actual structure or structures and the personal possessions in and around them, as well as providing liability protection for the residents. Through homeowner's insurance, you can protect yourself and your family from enormous loss in the event of damage or destruction to your home and property. Most likely, if you have a mortgage on your home, you are required to carry homeowner's insurance.

What damage to my house would not be covered by my homeowner's policy?
It depends on the type of policy you own. But in general, unless you buy additional coverage, you won't be compensated for losses due to floods, earthquakes, nuclear accidents, wars, intentional damage, and normal wear and tear. Other exclusions may also apply.

What can I do about expensive possessions, like jewelry and camera equipment, that are far more valuable than the coverage limits of my homeowner's policy?
You can purchase additional coverage, through an endorsement to your existing policy or with a separate policy, to extend the limits of coverage for specific items.

Will YOUR Homeowners' Insurance replace your entire home?

Do I need a Flood Insurance Policy or Water/Sewer Backup Coverage?

What is a loss assessment and why should I worry about it?

What about loss assessment on a Condo?

Condominium Insurance - Similar but not the same as Homeowners?


What does it mean when a car is "totaled"?
After an accident or theft recovery, if the insurance company decides your car is "totaled," it means the estimate of repairs exceeds the car's value. At this point, the insurance company will likely send you a check for your car's value. It gets to keep your car unless you make arrangements to buy it back "as is".

What should I do if another driver hits my car?
If you were not at fault in the accident, you will make a third-party claim to the at-fault driver's insurance company. Because you are the claimant, the insurance company typically will issue the check directly to you. It's your responsibility to pay the repair shop, and the lender if you have a car loan.

What happens if my car is stolen?
If your car was stolen, be prepared to wait. Most insurance companies will impose a waiting period to see if the police recover your car. If your car is still missing after the waiting period, usually 21 days, you should receive a settlement soon after. If your car is recovered during the waiting period, the insurance company will want to see a repair estimate before deciding how to proceed.

Should I purchase Underinsured and Uninsured Motorist Coverage?
With the prevalence of uninsured drivers this is highly recommended.  Additionally with the low limits that are allowed by law Underinsured Motorist coverage may prove very beneficial.  This coverage reacts for bodily injury to you when an at-fault driver injures you but lacks sufficient liability coverage.

Should I choose stacked or non-stacked coverage?
This is a case-by-case basis.  If you have only one vehicle and do not have a company vehicle there is no advantage to this, generally speaking.  If you have a number of vehicles it may come in more handy as you can add the Underinsured/Uninsured Motorists coverage from each vehicle insured under the policy.  However, choosing a sufficient liability limit is even more important and is a basis for all coverage.

Should I Purcase the Optional Insurance when Renting a Car?

What is a Tort? And why would I limit it?

Should I Share My Ride?


What is a Personal Umbrella Policy?

What is Cyber Liability Insurance?

What is Employment Practices Liability Insurance?

When do I need Ordinance of Law coverage?

How can I protect my Identity from theft?

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