Frequently Asked Insurance Questions


1What is an insurance deductible?
This is the amount of a claim that the policyholder has agreed to pay for each covered loss. This amount is deducted from a claims payment.
2Should I buy collision insurance if I have an old car?
Buying collision insurance is a decision that is left up to you. Taking into account the value of your car or the amount (as the result of a loss) you can personally assume.
3What is the difference between Collision and Comprehensive coverage for my automobile?
Collision Insurance covers a loss to the insured's vehicle caused by its impact with another vehicle or object. Comprehensive Coverage protects against any loss or damage to an automobile except those caused by collision or by upset; for example, glass replacement, coverage against fire or theft and unusual cases such as hitting an animal.
4Is my child who is covered under my policy still covered by my policy while driving someone else's car?
If your child is a resident of your household and will have use of your vehicle, he or she should be listed on the policy in order to be covered while driving a vehicle included on the policy. If your child is driving someone else's car with their permission, the other person's insurance often covers the damage in result of an accident.
5Do I need additional insurance for my rental car?
While you are driving a rental car, you are afforded the same collision, comprehensive, liability coverage, and deductible amounts that you have on the vehicle for which the rental car is substituting. Your rental car company may offer, at an additional cost to you, "Loss Damage Waiver" (LDW) coverage, which is designed to pay all or a portion of your insurance deductible should you have a loss with the rental car. If you are comfortable with the potential of paying your deductible should you have a loss with the rental car then you may opt to not purchase this additional LDW coverage.
6What information will I need to report an auto claim?
  • Location, date, and time and description of the incident
  • Insurance information from drivers of other vehicles (if any)
  • Police report (if available)
7How much car insurance coverage do I need?
Your individual needs and situation should dictate how much insurance you need. When you're trying to determine how much insurance to buy, here are a few factors you should consider:
  • Deductible - How much can you afford to pay out of pocket? Choose a deductible that you know you can pay.
  • Liability Limits - Choose your limits based on your financial situation. If you choose smaller insurance limits, you may save money on a premium, but you will be personally responsible for damages that exceed those limits. Consider whether you can afford this possibility, when selecting your Insurance Liability Limits.
  • Do you make payments on your car? (If you do, you may be required to have Comprehensive and Collision in addition to Liability Insurance coverage.)
  • What type of vehicle do you drive? (It's wise to have higher limits for vehicles, such as large SUVs, that can cause more damage.)


1What information will I need to provide to get a home quote?
You will need to provide details about the property to be insured. This may include:
  • Type of Construction
  • Age of the Structure
  • Address
  • Size (square footage)
  • Number of floors
  • Roof Materials and Age of Roof
  • Number of Bedrooms, Bathrooms
  • Any Special, Custom or Unusual features
  • Type of Climate Control (Heating and Cooling Devices in Use)
  • Detached Structures
  • Pets (Type and Breed)
  • Any Business Use of Dwelling
  • If there are: Swimming Pools, Hot Tubs, Trampolines, etc.
  • If you already have a policy and are comparing home insurance quotes, it helps to review your existing home insurance policy for current coverage, limits and deductible amounts.
2Why Did My Homeowner's Insurance Premium Increase?
Your home's insured value is based on the current cost-to-replace in the event of a total loss. Construction costs (including supplies, materials and labor) increase over time and your insurance company will adjust your premium to make sure you have enough coverage to replace your home in the current market. If you notice an increase in your homeowner's policy, ask your insurance agent why. It will usually be a result of an increase in coverage, in the insured value of your home, or both.
3What factors can affect homeowners insurance premiums?
The following factors can affect your homeowner's insurance premium:
  • Home Features and Characteristics — Your home's age, type of structure, wiring, roof, garage, etc., can affect your homeowner's insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding. Other factors such as using wood heat, and metal or tile roof materials, can alter your premiums.
  • Location — Where your home is located can change your homeowner's insurance premium. For instance, your home insurance rate can be affected if your home is in close proximity to a fire station or if it is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes.
  • Protective Devices — Home security systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your homeowner's insurance premium.
  • Personal Factors — What you do can affect your homeowner's insurance premium, too. A good credit history can lower what you pay for home insurance, as can multiple policies with the same agency.
  • Claims History — If you have a history of recent claims on a homeowners insurance policy, you may pay a higher premium. (Please note: If there are a number of recent claims, this may impact the issuance and/or renewal of a homeowners insurance policy.)
Need more information? Contact us. We would be happy to answer any questions you have!