Question 1

What information do I need to get an insurance quote?

Accepted Answer

For auto insurance, you'll need vehicle year, make, model, and your current coverage details. For home insurance, we'll ask about your property type, year built, square footage, and roof details. For life insurance, basic health and coverage amount preferences are helpful. Don't worry if you don't have everything — we can work with what you have and follow up on the rest.

Question 2

How often should I compare my auto insurance?

Accepted Answer

It's a good idea to review your auto insurance at least once a year, or any time you experience a life change — like buying a new car, moving, adding a teen driver, or when your renewal notice arrives. Rates shift over time, and comparing options regularly can help you avoid overpaying for the same coverage.

Question 3

What is the difference between home and renters insurance?

Accepted Answer

Homeowners insurance covers the structure of your home, your personal property, and your liability. Renters insurance covers your personal belongings and liability but not the building itself — that's your landlord's responsibility. Both are important, and renters insurance is typically very affordable, often under $20/month.

Question 4

What does umbrella insurance actually cover?

Accepted Answer

Umbrella insurance provides additional liability protection beyond the limits of your auto and home policies. It kicks in when those policy limits are exhausted. It also covers some claims that other policies may not, like defamation. Umbrella policies are typically inexpensive relative to the coverage they provide.

Question 5

How much life insurance should a family consider?

Accepted Answer

A common rule of thumb is 10-15 times your annual income, but the right amount depends on your situation — mortgage balance, number of dependents, existing savings, and future expenses like college. A personalized review can help you find coverage that protects your family without overpaying.

Question 6

Can bundling lower my insurance cost?

Accepted Answer

Yes — bundling auto and home insurance (or adding life and umbrella) can often result in a multi-policy discount. It also simplifies things by keeping your coverage with one agent who understands your full picture.

Question 7

What should I review before my policy renewal?

Accepted Answer

Before your renewal, check whether your coverage limits still match your needs, review your deductibles, look at any new discounts you may qualify for, and compare your premium to what's available. Life changes can all affect what coverage makes sense.

What type of business do you have?

How long has your business been operating?

How many employees do you have?

What is your annual revenue?

What is your annual payroll?

What coverage does your business need?

Current business insurance carrier?

Any business claims in the past 3 years?

Where is your business located?

What is your business name?

Nearly done! How should we reach you?

Anything else we should know?

Quote Request Received!