Find the Answers to Your Insurance Questions

An insurance premium is the cost of your coverage. It's calculated based on factors like your risk profile, coverage amount, deductible, and eligible discounts.

The policy term is the duration of your insurance coverage, which varies by the type of insurance you hold.

In most cases, you can cancel your policy, but there may be fees or restrictions. Review your policy documents and consult us before making changes.

Missing a payment may result in a lapse of coverage. Consequences vary; some policies offer grace periods, while others require reinstatement. Contact us promptly for resolution.

Homeowners insurance policies cover the cost of repairing or replacing your home and its contents if they are damaged. This coverage typically includes damage caused by fire, smoke, theft, vandalism, lightning, wind, hail, and falling trees.

It is important to purchase car insurance before buying a car. Driving without insurance is illegal and can leave you financially unprotected if an accident occurs. Whether you are purchasing a car from a dealership or an individual seller, we recommend that you obtain a car insurance quote and policy before driving your new car. You can easily do this online or over the phone.

Boat insurance aims to safeguard you and your boating guests from the financial burden caused by accident-related damages or injuries. If you're financing or leasing your vessel, your lender may have certain insurance requirements in terms of coverage and limits.

RV insurance provides coverage for various risks, much like auto insurance. This includes collision, comprehensive, and liability coverage. Additionally, you have the option to obtain additional protection for your personal belongings aboard the RV, as well as for any equipment and attached accessories like awnings and satellite dishes.

Renters insurance provides coverage for personal property damage or theft, personal liability damages, emergency medical expenses for guests, and additional living expenses during temporary relocation. It's important to note that not all events related to these coverages will qualify for reimbursement from your insurer.

Motorcycle riding presents unique scenarios that are non-factors with other types of vehicles. One example of this is passenger safety. The passenger is usually covered in policies for cars, trucks, and the like since most vehicles are designed to accommodate a passenger.

On the other hand, most motorcycles are considered single-person vehicles. This means that riding with a passenger can be considered as “unintended use”, disqualifying you from claiming any compensation should an accident happen.

Umbrella insurance serves as an extra layer of coverage for when your standard policies are exhausted or when you encounter situations your current plan doesn’t cover. It offers people peace of mind, knowing they’ll have adequate protection for a variety of events.