Frequently Asked Questions

Below are some of our frequently asked questions.  If you have any other questions or concerns, please feel free to contact us.

1.	How much homeowners insurance do I need
2.	IsFlood damage coveraged under my homw insurance policy
3.	Does my Homeowners insurance policy pay for seepage, dry rot, vermin , and wear and tear
4.	Why did not my insurance company renew my home insurance policy
5.	What are Car Financial Responsibility Laws?
6.	What Happens if I Choose Not to Purchase Car Insurance and Still Drive My Car?
7.	What is the difference between comprehensive and collision coverage?
8.	Why does my driving record affect my insurance premium?
9.	Should I buy term life insurance or whole life cash value policy?

	How much homeowners insurance do I need The higher your coverage, the less you will have to pay out of your own pocket to replace property that is destroyed or stolen. You also need enough liability coverage to protect yourself from lawsuits if someone is injured while on your property. Your insurance agent will be able to accurately predict how much coverage you need and you can always contact multiple agents to get an average of what the best amount of coverage would be for your home. Back to Top
	IsFlood damage coveraged under my homw insurance policy Flood damage is not covered by most homeowner policies. A separate policy can be purchased through the National Flood Insurance Program insurance company, Ask our Agents for help or a Flood quote Back to Top
	Does my Homeowners insurance policy pay for seepage, dry rot, vermin , and wear and tear Generally, insurance policies exclude damage caused by seepage, dry rot, or vermin (animal pests), wear and tear due to age This is because these problems are usually the result of poor maintenance, not a "sudden and accidental" event. It is the homeowner responsibility to keep the home maintenance up to date. Back to Top
	Why did not my insurance company renew my home insurance policy Insurance companies may cancel your policy if your property has deteriorated to a point that it no longer meets the company's underwriting standards. Insurance companies may also choose not to renew your policy if you have filed more claims than the average person. The average homeowner files a claim once every nine years. Back to Top
	What are Car Financial Responsibility Laws? This is the state law that says you have to prove that you are financially able to pay for anything you may be responsible for while driving your car. Back to Top
	What Happens if I Choose Not to Purchase Car Insurance and Still Drive My Car? That depends on the state you live in. Most states have stringent laws about having car insurance and if you don't choose to follow these laws by not purchasing car insurance, there can be tough penalties and fines. Back to Top
	What is the difference between comprehensive and collision coverage? Collision coverage is when you have a collision with something like another car. Comprehensive coverage is when it is anything else other than a collision such as fire or theft. Most people would have both coverage's when using the car on a regular basis. Sometimes when one is just storing a car they may only keep comprehensive coverage since they are not using it on the road therefore, it is unlikely to be in a collision. Back to Top
	Why does my driving record affect my insurance premium? The premium you pay is a direct reflection of your driving record for the past three to five years depending on the insurance company. Insurance companies order driving records from the DMV of your residence state and from other states where you've been licensed. Statistics show that drivers with tickets and accidents are more likely to have accidents than drivers with clean records. Back to Top
	Should I buy term life insurance or whole life cash value policy? There are many life insurance options available. Who should choose term? Which one has a lower cost? Can I build cash value with my life insurance that I can borrow against? yes, depend how much cash you have saved in the policy. Back to Top