Question 1

Why should I use an insurance broker instead of buying direct?

Accepted Answer

As a broker, we don't work for one specific insurance company—we work for you. We can shop multiple carriers to find the best combination of coverage and price, saving you the time and hassle of getting quotes from a dozen different websites.

Question 2

What happens if I need to file a claim?

Accepted Answer

When the unexpected happens, you're not left dealing with a 1-800 number alone. You can call our office directly, and we'll guide you through the claims process, advocate on your behalf, and make sure everything goes smoothly.

Question 3

How often should I review my insurance policies?

Accepted Answer

We recommend reviewing your coverage annually, or whenever you experience a major life event like buying a house, getting married, having a child, starting a business, or purchasing a new vehicle.

Question 4

What is an umbrella policy and do I need one?

Accepted Answer

An umbrella policy provides an extra layer of liability protection above the limits of your auto and home policies. If you have significant assets to protect or face higher liability risks, an umbrella policy is an affordable way to ensure you're fully covered against major lawsuits.

Question 5

Does my auto insurance cover rental cars?

Accepted Answer

In most cases, if you have full coverage (comprehensive and collision) on your personal vehicle, that coverage extends to a rental car for personal use. However, it's always best to check with us before declining the rental company's coverage.

Question 6

What is the difference between comprehensive and collision?

Accepted Answer

Collision coverage pays for damage to your car resulting from a collision with another vehicle or object. Comprehensive coverage pays for damage caused by events out of your control, such as theft, vandalism, fire, or hitting an animal.

Question 7

How much liability coverage do I need?

Accepted Answer

State minimums are rarely enough to protect your assets in a serious accident. We typically recommend liability limits of at least $100,000 per person and $300,000 per accident, but the right amount depends on your personal financial situation.

Question 8

What happens if my roof leaks?

Accepted Answer

If the leak is caused by a covered peril (like wind or hail), your home insurance will typically cover the damage to your home's interior and the roof repair. However, if the leak is due to normal wear and tear or lack of maintenance, it likely won't be covered.

Question 9

Does home insurance cover flood damage?

Accepted Answer

Standard home insurance policies do not cover flood damage. If you live in an area prone to flooding, or just want the peace of mind, you will need to purchase a separate flood insurance policy.

Question 10

How much dwelling coverage do I need?

Accepted Answer

Your dwelling coverage should equal the cost to rebuild your home from the ground up at current construction costs, which is often different from your home's market value. We use specialized tools to help estimate this replacement cost accurately.

Question 11

Do I need life insurance if I'm single?

Accepted Answer

Even if you are single, life insurance can be important to cover debts you might leave behind (like co-signed loans), pay for final expenses, or provide for aging parents who may rely on you financially in the future. Buying while you're young and healthy also locks in lower rates.

Question 12

What is the difference between term and whole life?

Accepted Answer

Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and is generally more affordable. Whole life insurance provides lifelong coverage and includes a cash value component that grows over time.

Question 13

How much life insurance should I buy?

Accepted Answer

A common rule of thumb is 10 to 15 times your annual income. However, a more accurate approach considers your current debts, future obligations (like college tuition for kids), and the ongoing living expenses of your dependents.

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Frequently Asked Questions

General Insurance Questions

Why should I use an insurance broker instead of buying direct?

What happens if I need to file a claim?

How often should I review my insurance policies?

What is an umbrella policy and do I need one?

Auto Insurance Questions

Does my auto insurance cover rental cars?

What is the difference between comprehensive and collision?

How much liability coverage do I need?

Home Insurance Questions

What happens if my roof leaks?

Does home insurance cover flood damage?

How much dwelling coverage do I need?

Life Insurance Questions

Do I need life insurance if I'm single?

What is the difference between term and whole life?

How much life insurance should I buy?

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