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FAQ
Frequently Asked Questions
AUTO INSURANCE FAQs
Q1. How do I get Auto Insurance coverage?
Q2. How is my automotive insurance rate determined?
Q3.
Are other people who drive my car insured under my insurance policy?
Q4.
Why do rate quotes vary depending on the insurance company?
Q5.
Can the driving record of my family members impact my ability to secure an automotive insurance policy?
Q6.
What does uninsured motorist protection cover?
Q7.
Should family members be listed on my automotive insurance policy?
Q8. Can the insurance company cancel my policy?
Q9.
If I cancel my policy, am I entitled to a refund of my premium?
Q10.
What is a deductible?
Q11.
What is a premium?
Q12.
Can my automotive insurance company refuse to renew my policy?
HOME INSURANCE FAQs
Q1. Can I only change insurance carriers at renewal?
Q2. Isn’t escrow billing (bill to mortgagee) set up by the insurance company?
Q3. Aren’t insurance companies automatically notified when property is sold?
Q4. If I change insurance carriers in the middle of a term, and I’m set up for escrow billing, won’t the mortgage company automatically pay the new premium?
Q5. Won’t the mortgage company or my agent automatically cancel my old policy when I purchase a new one?
Q6. Isn’t the insurance company automatically notified when I refinance, or my mortgage is sold?
Q7.
Is my personal property covered if it's not at my home during the time of loss?
BUSINESS INSURANCE FAQs
Q1. How do I get Business Insurance coverage?
Q2. How general liability insurance relate to other liability insurance types?
Q3.
What is Workers Compensation Insurance?
Q4.
What is a package policy?
HEALTH INSURANCE FAQs
Q1. What is the difference in a co-pay and co-insurance?
Q2. How do I get Health Insurance coverage?
Q3.
What is the difference between a HMO and a PPO?
Q4.
Are co-payments counted as part of the annual deductible?
Q5.
What is a deductible?
LIFE AND LONG-TERM CARE FAQs
Q1. How do I get Life Insurance coverage?
Q2. How often should I update my life insurance?
Q3.
Can I really "borrow" money from my life insurance?
Q4. How do I contact your office?
Q5.
How do I know which insurance companies are reputable?
Q6.
Will my insurance policy earn dividends?
Q7. How much life insurance do I need?
Q8.
What is an Accidental Death benefit?
Q9.
Are life insurance premiums fairly consistent among different insurance companies?
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