Frequently Asked Questions

If you don't know the answers, please call.

  • During a storm, you lose power and your sump pump doesn’t work. Your basements fills with water – are you covered?

  • Do insurance companies really adjust rates based on credit information? Why does my Banker love me – but my insurance company does not?

  • Do I really have to buy the insurance when I rent a car at the airport?

  • How come my company excludes damage done to my home by rodents, but my neighbor had raccoon damage paid by his company?

  • I just bought a piece of jewelry. The invoice and appraisal show different amounts. What should I insure it for?

  • I own my own company. Am I required to cover myself for work comp?

  • Our lease does not allow it… If you call here, you will not speak to either a prehistoric man or a reptile.

  • I store my convertible for the winter. Can I get a break on the rates?

  • You bought a new home and cannot sell the old one. Is your homeowner policy still good on the vacant home?

As an Independent Agent, we work for you, not the insurance company. Unlike a direct writer, we represent many carriers and are always searching the market for the best coverage – at the best prices.  Independent Agents typically offer a wider selection of products and services.

FAQ Scott