Are there ways I can save on my home or auto insurance?There are a few ways you can save on your home or auto insurance. For instance, if you insure both your car and home together you could save on both. You may also qualify for a discount if you are a full-time student, or if you're 55 or older and not employed full-time. You may qualify for a discount if your home has been renovated in the last 10 years, or if your home has smoke alarms, fire extinguishers or a security system. There are many different options & discounts you can receive. Contact one of our agents to find out more.
Back to TopIs there a more convenient way to pay my bill?You could pay online or you may have your premium and or payments automatically deducted from your checking or savings account. You can fill out an authorization form by contacting one of our agents.
Back to TopWhat happens if I'm late with a payment or I miss a payment?By missing a payment or sending your payment late, you risk a surcharge or being sent a notice of cancellation. It's always a good idea to pay at least the minimum amount due by the due date and time.
Back to TopI'm thinking of buying a motorcycle. Can I just add it to my auto policy?No, unfortunately you are unable to add a motorcycle to your auto policy. Having the right motorcycle coverage is very important and also very different from your car insurance. Adding a motorcycle policy may also qualify you for a multi-line discount. For more information please contact us.
Back to TopWhy might you need flood insurance? Here are a few overlooked facts about floods to consider:
• Most homeowners insurance does not cover flood damage.
• Just an inch of water can cause costly damage to your property.
• New land development can increase flood risk, especially if the construction changes natural runoff paths
• Last year, one-third of all claims paid by the NFIP were for policies in low-risk communities.
• Less than 50% of all flooding incidents are awarded a Federal Disaster Assistance declaration, and most disaster assistance is provided in the form of a loan that must be repaid with interest.
Contact us for more information.
Back to TopWhat kinds of insurance does my new business need?The risk assessment process is the basis for determining what insurance you need. Many insurance companies provide a wide variety of business property and casualty coverages. These can be underwritten individually and tailored to your specific business. Contact our agents for more details.
Back to TopWhat factors will control the cost of business insurance?Many factors influence the cost of business insurance, but some important ones include the type of business, the location, the size (both physically and in terms of volume of business). Competition for the business is also a factor. If there are many companies wishing to provide insurance for your type of business, you will be in a better position to shop around for a good price.
Back to TopDo I need liability insurance?Basic liability coverages such as provided in business owners’ policies may be adequate in many cases, But if you are in a business or profession where there is an especially high risk of lawsuits (some branches of medicine for example) you may need extra protection.
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