FAQ

We offer a variety of general insurance products, including:

• Auto / Motorcycle Insurance
• Classic Auto Insurance
• Off-Road Insurance
• Homeowners Insurance
• Condo Insurance
• Renters Insurance
• Liability Insurance
• Boat Insurance
• Business Insurance
• Life & Financial Planning (By appointment only)

To choose the right policy, consider the following:

• Assess your coverage needs based on your lifestyle or business.
• Compare different policies and coverage options.
• Review the premiums, deductibles, and any exclusions.
• Consult with an insurance advisor for personalized recommendations.
• Always choose a local agent whom you can reach in a timely manner.

Premiums are typically calculated based on several factors, including:

• The type of insurance and coverage amount
• Your risk profile (age, location, claims history, etc.)
• Property value for home or auto insurance
• Coverage limits and deductibles you choose

If you need to file a claim, please follow these steps:

1. Call our agency for the best advice before proceeding with your claim.
2. Take steps to prevent any further loss from occurring.
3. Provide the necessary information related to your claim, such as your policy number and details of the incident.
4. Follow any instructions given by the claims representative and submit any required documentation.
5. As your agency, we act as your intermediary between you and the claims department. Please keep in touch with us for the smoothest claims process.

Yes, most general insurance policies have exclusions. Common exclusions may include:

• Wear and tear
• Intentional damage
• Select Natural disasters
• Certain high-risk activities

Yes, many general insurance policies allow for customization. You can often add or remove coverage options, increase limits, or adjust deductibles based on your specific needs.

A deductible is the amount you must pay out of pocket before your insurance coverage begins. Generally, higher deductibles lead to lower premiums, and vice versa. When choosing your deductible, make sure to select an amount that you can easily afford.

It’s a good practice to review your insurance policy at every renewal or at least once a year or whenever there are significant life changes, such as moving, purchasing a new vehicle, or making major renovations to your home.

For more information or if you have any additional questions, please contact our customer service team through the contact us page, and we’ll be happy to assist you!