FAQ
Frequently Asked Questions
Policy Coverage and Claims
What types of incidents are typically covered by auto insurance?
Auto insurance typically covers incidents such as car accidents, theft, vandalism, natural disasters, and liability for bodily injury or property damage caused by the insured driver.
How do I file a claim for damage to my home covered by homeowners insurance?
To file a claim for damage to your home covered by homeowners insurance, you should contact your insurance company as soon as possible. They will guide you through the claims process, which usually involves providing documentation of the damage, obtaining repair estimates, and cooperating with any investigations.
What should I do if I'm involved in a car accident?
If you're involved in a car accident, prioritize safety first by ensuring everyone involved is okay and seeking medical attention if necessary. Then, exchange contact and insurance information with the other driver(s), gather evidence such as photos and witness statements, and report the accident to your insurance company to begin the claims process.
Is flooding covered under standard homeowners insurance policies?
No, flooding is typically not covered under standard homeowners insurance policies. However, you can purchase separate flood insurance to protect your home and belongings in case of flood damage. It's important to understand your flood risk and consider purchasing flood insurance if you live in a flood-prone area.
Products and Services
What types of insurance products do you offer?
We offer a wide range of insurance products, including auto insurance, homeowners insurance, renters insurance, umbrella insurance, life insurance, and specialty insurance such as flood insurance, motorcycle insurance, and boat insurance.
How can I customize my insurance policy to fit my specific needs?
We offer customizable insurance policies that allow you to tailor coverage limits, deductibles, and optional add-ons to fit your specific needs and budget. Our experienced agents can help you assess your risks and choose the right coverage options for your unique situation.
Do you offer any discounts on insurance premiums?
Yes, we offer various discounts on insurance premiums, including multi-policy discounts for bundling multiple insurance policies, safe driver discounts, home security discounts, and discounts for certain professional affiliations or memberships. Our agents can help you explore available discounts to maximize your savings.
What additional services do you provide to policyholders?
In addition to insurance coverage, we provide a range of additional services to policyholders, such as 24/7 claims assistance, online account management, insurance education and resources, and access to discounts and rewards programs. We strive to offer comprehensive support to our customers beyond just insurance coverage.