Education Center

Frequently Asked Questions

Auto Insurance: Covers damage to your car and protects you financially if you’re liable for someone else’s injuries or damages.
Homeowners Insurance: Protects your home and possessions against damage or theft, and covers liability for accidents that occur on your property.
Renters Insurance: Covers your personal property in a rental property and may offer liability protection.
Life Insurance: Pays out a sum of money to designated beneficiaries upon the insured’s death, providing financial security.
Umbrella Insurance: Provides additional liability coverage beyond the limits of your other policies, offering extra protection against large claims.

Consider the value of your assets, potential risks you face, and your financial situation. It’s often recommended to choose coverage limits that are at least equal to your net worth to protect yourself adequately. Consulting with an insurance agent can also provide personalized advice.

Property Damage: Covers damage to or theft of your property.
Liability: Covers legal costs and damages if you’re responsible for injuring someone or damaging their property.
Specific Situations: Some policies include or offer add-ons for specific situations like flood, earthquake, or special valuables coverage.
Always read your policy documents carefully to understand the specifics of your coverage.

How can I lower my premiums?

Shop around and compare quotes.
Bundle policies (e.g., auto and home) with the same provider.
Increase your deductible (out-of-pocket payment before insurance kicks in).
Take advantage of discounts (e.g., for safe driving, security systems, or being claim-free).
Improve your credit score, as it can affect your premiums in some states

How Do I file a Claim?

Contact your insurance provider as soon as possible after an incident.
Provide detailed information about the incident and any damages or losses.
Follow your insurer’s instructions for submitting any required documentation or evidence.
Cooperate with the insurance adjuster’s investigation and assessment

Review the reason for denial; it should be stated in the denial letter.
Gather additional information or documentation if the denial is due to insufficient evidence or information.
Appeal the decision with your insurer if you believe the claim was wrongfully denied.
Consider consulting with an insurance lawyer if the appeal is unsuccessful and you believe the claim should be covered.

How do I update my Policy?

Contact your insurance provider to inform them of any life changes or new coverage needs.
Discuss how these changes affect your coverage and premiums.
Make any recommended adjustments to ensure your policy remains aligned with your needs.

Premiums and Deductibles: The cost of coverage and out-of- pocket expenses can vary.
Coverage Options: Some insurers may offer unique add-ons or higher coverage limits.
Customer Service: Response times, claim processing speed, and customer satisfaction can differ.
Discounts and Programs: Availability of discounts or loyalty programs may vary