General

• What is an independent Insurance Agent?

An Independent Insurance Agent is an agent that is free to represent more than one company with whom to place your insurance.

• What should I look for in an insurance company?

It is important to select an Insurance Company that is known for its financial stability and that provides a high quality of claims and customer service.

Home

• What is dwelling coverage and how much do I need?

You need to carry 100% of the best estimated reproduction cost of your home,and a qualified agent will be able to determine that figure.

• What is Scheduling?

This is when you list individual property items for separate individual coverage. Items that might need scheduling include Jewelry, silverware and collectables.

Auto

• Why do I need more coverage than the state requires me to carry?

You need to carry more insurance than the state minimum because your responsibility does not end when your coverage is exhausted. If you cause $100,000 worth of damage that is what you will owe regardless of what coverages you have.

• How do I know how much coverage to carry?

Financial Planners often advise you to buy liability coverage equal to your assets. It is important to consider your assets as well as your future assets when considering coverage, all of which can be in jeopardy by a large jugdement against you.

• Why would you want to carry high deductibles in comprehensive and collision?

Carrying higher deductibles lowers your premium. Money you do save today is better than money you might save tomorrow. It can also protect your insurability.

Please feel free to contact us with any other questions you might have.