Common Questions asked about Insurance.
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Q: Why did my rates increase?
A: Many factors can influence your insurance premiums. Did you add to or change your coverage? Was there a loss or claim since your last renewal? Are you with a new carrier? Call and talk to one of our representatives about possible reasons for the increase and suggestions for reducing your current rate.

Q: Can I manage all of my insurance policies over the phone?
A: While there may be times when you need to send documentation or sign paperwork, the vast majority of requests, changes, billing issues and questions can be taken care of with a quick phone call.

Q: Do I need an appointment to see an agent in person?
A: While an appointment is not required, it could save you time by ensuring that a team member is readily available and prepared with your policy information when you arrive. Setting an appointment also allows us to set aside plenty of time to address all of your concerns adequately.

Q: Does it make a difference if I pay my insurance annually, semi-annually or monthly?
A: Installment plans are convenient, but they may cost more due to invoice fees or interest charges. You will save money in the long run by paying the entire amount in full when you receive your bill.

Q: Can I pay my bill with a credit card?
A: It may be possible to pay your home or auto policy bill over the phone with a credit card, depending on your carrier. Talk with one of our agents to find out.

Q: What determines my individual auto insurance rates?
A: Automobile insurance rates are calculated according to many different factors, some of which include: driver age, type of car, personal driving records and credit rating. Insurance companies may also consider how your vehicles are being used, stored and driven. We normally check with multiple carriers before delivering the best quote to you.

Q: Can other people drive my car and still be covered?
A: Generally speaking, anyone who has permission to drive your vehicle is covered. However, you should check with an agent for specific details regarding your policy. Any driver who regularly uses your car should be listed on your policy.

Q: Does my auto policy cover me if I rent a car?
A: Most policies cover you if you rent a car on vacation, but it is best to check with our Customer Service Team before you decline additional coverage from the rental company, just to be sure.

Q: What does homeowners’ policy cover?
A: Homeowners insurance covers damage from incidents such as fire, theft and vandalism to your house and adjacent structures like a garage or shed, as well as your personal belongings. It also covers living expenses if your house becomes temporarily unusable and liability in case you or a member of your household injures someone or damages their property. Most standard policies do not include damage caused by flood.

Q: How much homeowners insurance should I have?
A: The amount of coverage should be based on the cost of rebuilding your home. The cost of rebuilding is often referred to as replacement cost and may be higher or lower that the price you paid for your home or the price you could sell it for today. A replacement cost policy will pay for the repair of damaged property with materials of similar kind and quality at current prices.