Why should I use a local insurance agent instead of buying online?

A local agent provides personalized service, local knowledge, expert advice, and ongoing support — things you won’t always get from an online-only policy.

What types of insurance do I really need?

It depends on your situation, but the most common types people typically need are auto, home (or renter’s), health, and life insurance. Business owners may also need commercial coverage.

How is my insurance premium determined?

Your premium is based on factors like your age, location, coverage type, policy limits, claims history, credit score, and the value of what you're insuring.

What’s the difference between actual cash value and replacement cost?

• Actual Cash Value (ACV): Pays what your item is worth today, factoring in depreciation.
  
• Replacement Cost: Covers the cost to replace the item with a new one of similar kind and quality, without depreciation.
  

Do I need insurance if I don’t own a car or home?

Yes — renters insurance, health insurance, and life insurance are still important. Renters insurance protects your belongings, health insurance covers medical expenses, and life insurance provides financial security to loved ones.

Is it cheaper to bundle my home and auto insurance?

Usually yes — many insurance companies offer discounts if you bundle multiple policies like home and auto, or home, auto, and life insurance together.

What is a deductible?

A deductible is the amount you pay out-of-pocket before your insurance kicks in on a covered claim. Higher deductibles typically mean lower premiums, and vice versa.

How often should I review my insurance policies?

At least once a year or any time you have a major life event like buying a home, getting married, having a child, or starting a business.

Can I adjust my coverage limits?

Yes — you can increase or decrease your coverage limits to better fit your needs and budget. It’s smart to review these limits regularly to make sure you’re properly protected.

​What does liability insurance cover?

Liability insurance covers you if you're legally responsible for injuring someone else or damaging their property. This is a crucial part of auto, home, and business insurance.