Frequently Asked Questions
How can I prove what items I have in my home if anything every happens?
What does the Identity Theft endorsement cover?
Is flood covered on my policy?
Is it important that I let my insurance company know when I refinance my house?
What needs to be scheduled on my Home Owners' Insurance for proper coverage?
This depends on server factors. As general rule the following should be discuss with your agent:
- Special collections (Hummels, Fine Crystal, memorabilia, etc)
- Jewelry, usually over $1000 in value
- Fine Arts
- Stamp & Coin Collections
My home was just appraised for $500,000, why is my insurance coverage only $300,000?
What is an Umbrella Policy?
Typically, an umbrella policy is pure liability coverage over and above the coverage afforded by the regular policy, and is sold in increments of one million dollars. The term "umbrella" is used because it covers liability claims from all policies underneath it, such as auto insurance and homeowners insurance policies. For example, if the insured carries an auto insurance policy with liability limits of $500,000 and a homeowners insurance policy with a limit of $300,000, then with a million dollar umbrella, the insured's limits become in effect, $1,500,000 on an auto liability claim and $1,300,000 on a homeowners liability claim."
We can help with all your insurance needs
Dwelling, Property, Personal Property, Liability, and additional living expenses
Covers bodily injury and Property damage in case of a accident
Cover you and your familly with a personal health insurance policy
Businesses can cover employees' health/dental as a group
Protect your family against the unexpected
Get proper coverage for your boat or snowmobile
Insure your motorcycle for seasonal usage
Protect your employees and business from workplace accidents