FAQs

An insurance score is a number or rating statistically derived from a mathematical formula, computer application, model or other process that is based on credit information and used to help predict the future insurance loss exposure of a consumer. A credit based insurance score is used to help insurance companies attempt to identify which customers are more or less likely to file claims. 

While you think there may not be much value to your personal property the cost of replacing your furniture and clothing can add up. We can cover your personal property in a house or an apartment. Coverage applies on premises and there is a limited amount of coverage that will apply elsewhere, anywhere in the world. To better understand the coverage and personalize the policy to meet your needs, check with your agent.

Use this Home Inventory Checklist to itemize your belongings, note when you bought them and how much you paid. Review the list with your agent to help you determine the coverage you need.

We will work hard to give you the best coverage combinations to fit your lifestyle and budget.

Personal Liability Insurance covers you against damages arising from bodily injury and property damage, for which you may be legally responsible. Coverage is available for liability involving the use of your property (including swimming pools), the acts of your pets, and unintentional acts by you or qualified family members.

Typically, your home insurance covers a wide range of calamities, including fire, tornadoes, windstorms, lightning, hail, explosions, smoke, theft and vandalism. However, there are some limits on the amount of insurance you have. Be sure to review your coverage and address any coverage concerns with your agent.

You should contact your agent about reviewing your coverage whenever you change something significant about your home or its content, such as:

• When you make an addition to your home.
• When you make any major purchase: jewelry, electronics, farm equipment, a boat or other recreational vehicles,to help guard against inflation.

The first payment for the new policy period includes the $25 Renewal Fee.

There is a $5 processing fee for each quarterly installment payment and a $1 processing fee for each monthly bank draft.

A flat amount added to the basic premium rate to reflect the cost of issuing a policy, establishing the required records, sending premium notices, and other related policy processing expenses.

No, there is not a charge for making a payment over the phone or online.

Insurance provides limited coverage for your valuables (antiques, jewelry, furs, paintings, business personal property, collectibles, etc.). You may need to increase the special limits to be covered adequately. Your agent can help you determine if additional coverage is needed.

Estimating the cost of your home can be difficult. Insuring for Actual Cash Value or Replacement Cost Coverage should be considered.  Your agent will be able to help you determine the correct amount of coverage you need.

These factors help determine what it will likely cost to rebuild your home:

• Square footage and local construction costs.
• Exterior wall construction: masonry, frame or veneer.
• Type of roof.
• Style of your home (ranch, colonial, contemporary).
• Number of rooms in your home.
• Special features attached garages, fireplaces, exterior trim, arched or bay windows, etc.

You will also want to check the latest building codes in your community. If your home is severely damaged, you may need to rebuild to comply with local building codes.