Frequently Asked Questions

Insurance companies that sell online or through 1-800 numbers, you plug in what you think you need or want, and the direct insurance company spits out a price. The problem is that one-size-fits-all approach doesn’t always work when it comes to insurance, whether it’s for your car, home, life, business, pet, etc. Every person’s situation is different, and choosing the cheapest option could potentially mean you do not have all the coverage you want.

When you work with our team, we are there to ask important questions pertaining to you and your lifestyle, to help you find the policy you want.

Your auto insurance policy may cover damages to your vehicle, liability for bodily injury or property damage, and other optional coverages such as roadside assistance.

Stop the car, check for injuries and move your car out of traffic if it’s safe to do so. Things happen fast when you’re in a crash, but try to stay calm. Here’s a few other things to do after a car accident, whether it’s a minor fender bender or a major collision:  Call for help, Exchange information with everyone present, and Document the scene.

We offer several types of home insurance including homeowners insurance, renters insurance, manufactured homes/mobile homes, and condo insurance.

Outdoor water pipes need protection especially before the first hard freeze — when the temperature drops to 28 degrees or lower for a few hours.  Several steps to review:  Insulate your pipes, Seal & insulate your home, Leave the heat on, Open at least one tap to drip, Leave cabinets open, Drain outdoor pipes and turn off outdoor water, consider a leak detector, and think about backup power.

Your buisiness insurance helps cover the cost of lawsuits, legal defense, and any damages you're ordered to pay.

Life insurance is about helping you financially support your dependents after you're gone.

Personal umbrella is additional liability coverage over and above the liability limits on your underlying home and auto policies. 

You can lower your insurance premium by increasing your deductible, bundling your policies, and taking advantage of available discounts.

Renters insurance covers your personal belongings if damage results from covered losses like fire, burglary or vandalism. Often renters don't realize the full extent of their possessions — which could include things like appliances, furniture, electronics, bedding, clothing, art, instruments and so on—or how much of a financial hit it would be if you lost many of these things at once. 

You’re covered in Canada just as you are in the U.S. It’s the one foreign country where your policy remains in force without restriction. The same goes for any U.S. territory, like Puerto Rico and the U.S. Virgin Islands.  As for Mexico, most insurance carriers is limited to within 25 miles of the U.S-Mexico border, and for no more than 10 days. If you’re going to go farther or stay longer, we can arrange coverage with an insurance company located in Mexico. 

Your auto policy won’t. But your homeowners or renters policy might pay if you have one of those policies. If you live with your parents, their homeowners or renters policy might cover the things in your car. 

Mortgage insurance protects your lender – not you – if you can no longer pay for your home loan. Most lenders will require it if you put less than 20% down for your house. Mortgage insurance doesn’t pay to repair or replace your house.