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Auto Insurance

When purchasing automobile insurance, what should I consider?

There are several things you should consider when purchasing automobile insurance that your independent agent will help you with. Here are a few:

  • Purchase the amount of liability coverage which makes sense for you.
  • Select the optional coverages you want.
  • Decide which company to purchase insurance from.
  • Don't base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance.

Does my insurance policy cover a friend if I loan him/her my car?

When you loan your car to a friend or an associate, he or she will be covered under your automobile insurance policy.

What is collision physical damage coverage?

Collision is the loss you incur when your automobile collides with another vehicle or object like a telephone pole.

What is comprehensive physical damage coverage?

Comprehensive provides coverage for direct physical damage losses you could incur to your car from something like a hailstorm.

How can I lower my automobile insurance rates?

There are several things you can do to lower the cost of your automobile insurance.

One way is to look for competitive pricing. An independent agent works with many companies and can provide you comparative rates and insure that your are getting the same coverage.

Another way to lower the cost is to change your deductible. By raising your deductible you may lower the cost of your automobile insurance almost 10% You must be able to pay the deductible amount in case of a claim. You can also look for discounts that you may be entitled to. Some examples of discounts that may be available are: multiple cars under the same policy, carrying a homeowners policy with the same insurance company, different groups or associations.


Homeowner's Insurance

What is homeowners insurance?

Homeowners insurance is a form of personal lines insurance. The typical homeowners policy has two main sections:

  1. Covers the property of the insured
  2. Provides personal liability coverage to the insured

What do I need to know when purchasing homeowners insurance?

  • Get the amount and type of insurance that you need.
  • Determine the amount of personal property insurance and personal liability coverage that you need.
  • Select any additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement?

What is "actual cash value"?

When "actual cash value" is used in a policy, a policy owner is entitled to the depreciated value of the damaged property.

What is replacement cost"?

When "replacement cost" coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.

Where and when is my personal property covered?

Coverage C of a homeowners policy provides named perils coverage. This applies to all your personal property (except property that is specifically excluded).

Should I purchase earthquake coverage?

Direct damages due to earthquakes are not covered under the standard homeowners insurance policy. If you live in an area that is prone to earthquakes, you may want to consider adding an earthquake endorsement to your homeowners insurance policy. This endorsement will cover damages due to earthquakes, landslides, volcanic eruptions and other earth movements.

Should I purchase flood coverage?

If your property lies in a flood plain as determined by US Government Flood Maps. Ask your independent agent about a flood quote.



There is a basic set of steps to take when reporting an incident and filing a claim. But we understand and acknowledge that every case is different, and it’s likely that you will have additional questions. To better help you navigate the claims process, we have worked up some commonly asked questions and corresponding answers. As always, if things still aren’t clear, feel free to reach out.

Will I have rental car and/or transportation expense coverage while my vehicle is being repaired?

It will depend on your policy. You will have to consult with your customer service agent to review the details of your policy. This is an optional coverage.

How long do I have to submit a claim after the incident?

It is recommended that you report the claim as soon as possible.

How do I get a copy of the police report?

You can obtain a copy of the report by going online to the township or city where the accident or incident occurred and filling out a form on their website. It is usually possible to download the report directly. You can also go to the police station and obtain a printed copy.

Do I have to file a claim for windshield replacement?  

Yes, your new windshield will fall under the comprehensive part of your insurance policy.

Will my rates go up if I file a claim?

You will need to consult directly with your customer service agent to discuss the many variables and details of your policy that will be relevant to the possibility of your rate being increased.