• Should I make my payments to your agency or the insurance company?

    All payments should be directed to the insurance company unless specifically stated by your representative.  Please see our “billing” section if you wish to pay by phone or have a question on your billing account.

  • What is broad form collision and can I choose something different?

    Broad form collision allows you to not have to pay your deductible if you are not deemed at fault in an accident.  There are also options to choose “regular” and “limited”.  These options should be discussed with your agent.

  • Do I need to have auto insurance if my vehicle is paid off?

    Yes, it is the State law for all owners of a vehicle to have auto insurance.  It is your choice if you wish to insure for physical damage if there is not a lender involved.

  • What is scheduling?

    Scheduling involves placing specific items with a specific value on your homeowners insurance.  It can also be called an “Inland Marine” policy.  This allows coverage for items that may be leaving your premises and would then be lost or stolen.  They can also be [...]

  • What is an adjuster?

    An adjuster is a representative of the insurance company that helps settle a claim.  They are not employed by us.  We do not settle claims as this is done by the adjuster.  However, we will assist in making sure a covered claim is paid [...]

  • Will turning in a claim automatically increase my insurance?

    This is not an easy answer.  Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity.  It is our recommendation to discuss your specific claim with our claims manager to see if turning [...]