OUR PRODUCTS

HOMEOWNERS AND RENTERS INSURANCE

  • What is the difference between homeowners and renters insurance?

    Homeowners insurance helps protect the structure of your home, personal belongings, and liability exposures. Renters insurance protects your personal belongings and liability but does not cover the building itself.

  • Does my policy cover hurricanes, wind, or storm damage?

    Coverage depends on the specific policy and endorsements selected. Some policies may exclude wind or hurricane-related damage, so it’s important to review your policy carefully and understand exactly what protections are included.

  • How much coverage do I need to fully protect my home and belongings?

    Coverage should be based on the estimated cost to rebuild your home and replace your belongings — not simply the market value of the property. We help clients review replacement costs and coverage options to ensure proper protection.

  • What is the difference between replacement cost and actual cash value?

    Replacement cost helps pay to replace damaged property with similar new items, while actual cash value factors in depreciation based on age and condition. Understanding this difference is important when selecting your coverage.

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AUTO AND RECREATIONAL INSURANCE

  • What does “full coverage” auto insurance actually include?

    “Full coverage” typically refers to a combination of liability, collision, and comprehensive coverage, but it does not mean every situation is automatically covered. It’s important to review your policy details and limits to fully understand your protection.

  • Do I need uninsured/underinsured motorist coverage?

    Yes. Uninsured and underinsured motorist coverage can help protect you if you’re involved in an accident with a driver who has little or no insurance coverage. This protection is especially important because many drivers on the road may not carry adequate coverage.

  • Will my policy cover rental cars or roadside assistance?

    Some policies include rental reimbursement and roadside assistance, while others require these coverages to be added. We can review your policy and help determine what optional protections may best fit your needs.

  • Can I insure motorcycles, boats, RVs, or ATVs under the same agency?

    Absolutely. We offer coverage options for many recreational vehicles, including motorcycles, boats, campers, RVs, golf carts, and ATVs.

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PROFESSIONAL LIABILITY / UMBRELLA INSURANCE

  • What is umbrella insurance and why would I need it?

    Umbrella insurance provides additional liability protection above the limits of your existing policies, such as auto or homeowners insurance. It can help protect your assets in the event of a major claim or lawsuit.

  • Does professional liability insurance cover lawsuits or legal fees?

    Professional liability insurance may help cover legal expenses and claims related to professional services, advice, errors, or omissions depending on the policy terms.

  • How much umbrella coverage should I carry?

    Coverage needs vary based on your assets, income, and potential risk exposure. Many individuals and business owners choose umbrella coverage to help provide an extra layer of financial protection.

  • What’s the difference between general liability and professional liability insurance?

    General liability typically covers bodily injury or property damage claims, while professional liability focuses on claims involving professional advice, services, or mistakes.

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FLOOD INSURANCE

  • Does my homeowners insurance cover flooding?

    Most standard homeowners insurance policies do not cover flood damage. Separate flood insurance is typically required for protection against rising water and flood-related losses.

  • Am I required to have flood insurance?

    Flood insurance may be required if your property is located in a high-risk flood zone or if your lender requires it. Even properties outside high-risk areas can still experience flooding, so coverage may still be beneficial.

  • Is there a waiting period before flood coverage starts?

    Yes. Most flood insurance policies include a waiting period before coverage becomes active, which is why it’s important to plan ahead before a storm or flood event approaches.

  • What does flood insurance typically cover?

    Flood insurance can help cover structural damage to your home and, depending on the policy, may also help cover personal belongings damaged by flooding.

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COMMERCIAL AND BUSINESS INSURANCE

  • What types of businesses do you insure?

    We work with a wide range of businesses, including contractors, retail stores, restaurants, professional offices, service providers, and many other small to mid-sized businesses. Every business has unique risks, so we help customize coverage based on your operations and needs.

  • Does business insurance cover employee injuries or lawsuits?

    Business insurance can help protect against lawsuits, property damage, and certain liability claims. Employee injuries are typically covered through workers’ compensation insurance, while general liability and commercial policies may help protect against customer injuries or legal claims.

  • How much business liability coverage do I need?

    The amount of coverage depends on your industry, business size, assets, and level of risk exposure. We help evaluate your business operations and recommend coverage limits designed to properly protect your company and future growth.

  • Can I bundle multiple business insurance policies together?

    Yes. Many businesses combine general liability, commercial property, workers’ compensation, commercial auto, and other coverages into a Business Owner’s Policy (BOP) or customized package for convenience and potential savings.

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