FAQs

Insurance rates can increase due to various factors, even without you filing a claim. These factors may include rising costs in medical care, vehicle repairs, or home materials due to inflation. Changes in your personal profile, such as credit score or driving record, can also affect rates. Additionally, regional risk trends and industry-wide adjustments based on new underwriting guidelines or regulatory changes can impact your premiums. Remember, rate changes often reflect broader market conditions rather than individual history. If you're concerned about a recent increase, we'd be glad to review your policy and explain the specific reasons behind it.

Your personal auto insurance typically extends to rental cars, particularly for liability coverage. However, the extent of damage coverage can vary depending on your specific policy. It's important to verify if your policy includes collision and comprehensive coverage for rentals. If it doesn't, rental companies offer additional insurance options. For business-related rentals or if you have specific concerns, we recommend consulting with your insurance agent to ensure you have adequate protection.

An umbrella policy provides additional liability protection that goes beyond the limits of your standard auto, home, or renters insurance. This extra layer of coverage becomes active when you exhaust the limits of your existing policies. It's designed to safeguard your assets in situations where you're held liable for significant injuries, property damage, or legal claims that exceed your primary policy limits.

We offer a comprehensive range of insurance solutions including home, auto, health, life, and business coverage. Our diverse portfolio allows us to provide personalized protection for both individuals and businesses, ensuring that we can meet a wide variety of insurance needs and keep you adequately covered.

Our experienced insurance professionals will conduct a thorough evaluation of your lifestyle, assets, and long-term objectives. Based on this assessment, we'll recommend insurance coverage options that align with your specific needs and financial situation, ensuring you have the most suitable protection.

Liability insurance covers damages you cause to others in an accident. Collision coverage protects your vehicle from damage resulting from collisions with other vehicles or objects. Comprehensive coverage protects against non-collision incidents such as theft, fire, vandalism, or weather-related damage to your vehicle.

Indeed, we provide customized commercial insurance solutions for small businesses. Our offerings include essential coverages such as general liability, property insurance, workers' compensation, and various other policies designed to protect your business operations and assets.