Frequently Asked Questions
Life insurance is often more affordable when you’re younger and healthier. It provides financial security for loved ones and can cover debts, funeral costs, and future expenses.
Insurance isn’t meant to be used every year—it’s financial protection for the unexpected. Just like a seatbelt, you hope you never need it, but it can save you from major financial hardship when something goes wrong.
Simply asking questions or requesting a quote does not affect your rate. Insurance agents are there to help you understand coverage—not penalize you for being informed.
Not always.
Cheaper policies often come with higher deductibles, lower coverage limits, or exclusions that may leave you underinsured. The best policy balances affordability with proper protection for your needs.
State minimums may not fully protect you in a serious accident. Medical bills, lawsuits, or vehicle repairs can easily exceed minimum limits, leaving you financially responsible for the difference.
Standard homeowners' insurance typically does not cover floods or earthquakes. These require separate policies or endorsements.
Home insurance is based on rebuilding costs, not market value. Land value, location, and housing market conditions are not part of replacement cost coverage.
Renters insurance protects your personal belongings, provides liability coverage, and can help with temporary living expenses after a covered loss. Your landlord’s insurance does not cover your personal items.
Coverage depends on your policy. Liability insurance only covers damage you cause to others. Comprehensive and collision coverage protect your own vehicle. It’s important to review your policy to understand what’s included.
Color has nothing to do with insurance rates. Factors like driving history, vehicle type, location, and coverage levels matter far more.
Personal items stolen from your car are usually covered under homeowners or renters insurance, not auto insurance (unless specified otherwise).
Claims are paid when losses fall within policy coverage and guidelines. Understanding your policy and maintaining accurate information helps ensure smoother claims processing.
Life changes—new home, new car, renovations, marriage, or business ownership—can affect your coverage needs. Annual policy reviews help keep your protection up to date.
Policies vary widely by carrier, coverage limits, exclusions, and endorsements. Working with an insurance professional helps you find coverage tailored to your situation.
You can change insurance providers at any time. An agent can help you transition smoothly and avoid coverage gaps.
