We know insurance can feel confusing and even overwhelming—but you're not alone. We're just a call away and always happy to help. In the meantime, check out our quick FAQ guide for clear, simple answers to some of the most common insurance questions.
You pay a smaller amount (premium) to a company, and they pay a larger amount if something bad happens (loss).
To protect yourself from big financial losses you couldn't afford on your own.
Contact an independent insurance agent who can research different policies, compare prices and coverage, and give multiple options. They can explain the different coverage choices and allow you to choose what best fits your needs.
Automobile, Homeowners, Umbrella, Boat, RV, ATV, Snowmobile, Motorcycle, Business Insurance, Commercial Auto, and many more!
Enough to cover the potential loss you're protecting against. Consider worst-case scenarios. This is where an independent insurance agent can explain what options are available and costs associated with the coverage plans.
Contact your agent or insurance company directly to start the claims process. Your agent can help in the beginning to get the claim started, and then the adjuster directly from the insurance company handles the claim going forward. Your agent is always there if there are any concerns/problems with the claims process.
Contact your agent to compare multiple companies, bundle policies, increase your deductible, and maintain a good record.
The amount you pay out-of-pocket before insurance covers the rest. This is chosen at the time of policy purchase. There can be a different deductible for comprehensive and collision.
A quote is an estimated price; a policy is the actual contract you sign.
Contact your agent or company directly to cancel your policy. You normally need to sign a form in order to cancel your policy.
Premium: The regular payment you make to your insurance company to keep your policy active.
Deductible: The amount you pay out of pocket before your insurance coverage kicks in.
Coverage: What your insurance policy protects you against (e.g., car accidents, house fires, medical bills).
Claim: A formal request you make to your insurance company to pay for a covered loss.
Policy: The legal contract between you and the insurance company outlining the terms of your insurance agreement.
