Frequently Asked Questions
Question: What are the advantages to using an independent agent to purchase insurance?
Answer: An Independent Insurance agent can provide the policyholder with more personal service. Using an agent can be vital when purchasing a product and absolutely necessary when filing a claim. An independent agent is able to deliver quality insurance with competitive pricing and local personalized service. We strive to alleviate the stress and confusion associated with a claim.
Question: How long is an appointment?
Answer: This depends on the complexity of your insurance needs. Most appointments last less than a half-hour.
Question: What pay options are available?
Answer: The companies we represent offer pay options ranging from monthly to pay in full. Payment types include: Escrow, EFT, check, debit card, and credit card. Not all companies accept the same payment plans. This is one consideration we take in selecting the right company for you.
Question: Why should I review my insurance?
Answer: Coverage needs change throughout your life. It’s for your protection and peace of mind that you meet periodically with your agent.
Question: Do I need an Umbrella?
Answer: Lawsuits tied to the technology age have been increasing at an alarming rate. Cases in the past that would have been thrown out are now common place. Everything you own can be at risk. Umbrella policies are an inexpensive way to add protection.
Question: Why do my rates increase?
Answer: There are a number of factors that can play into the rate equation. Some of the most common factors are; increased cost of building materials, credit scoring, claims, and driving records.
