Insurance companies ask for personal and risk-related information to determine your coverage and premium. For auto insurance, expect to provide:

• Full name, address, age, and contact info
• Driving history (accidents, tickets)
• Vehicle details (year, make, model)
• Annual mileage and primary use

Why so much detail? The more accurate your information, the more precise (and often lower) your quote will be.

Most states require at least liability coverage, no matter your car’s value. However, if your vehicle’s repair cost exceeds its market value, full coverage may not be cost-effective.

Our advice: Let us review your policy to see if liability-only coverage could save you money while keeping you legal and protected.

Key factors include:

• Driving history
• Vehicle type and safety features
• Where your car is parked
• Annual mileage

Tip: Safe driving, bundling policies, and maintaining a clean record can lower your rates.

Collision Coverage: Pays for damage to your car from accidents with another vehicle or object.

Comprehensive Coverage: Covers non-collision damage such as theft, fire, hail, or vandalism.

Many drivers carry both unless the car’s value is too low to justify the cost.

It often does, but coverage varies. Many policies extend liability and physical damage coverage to rental cars. However, loss-of-use charges may not be included.

Pro tip: Check your auto policy and credit card benefits before paying extra at the rental counter.

You can file directly with your insurance company, use our online claims form, or call our office for assistance. We’ll guide you through every step to help ensure your claim is processed promptly and fairly.

Most homeowners policies protect your home, belongings, and liability. They usually include:

• Dwelling coverage – Repairs or rebuilds your home after covered damage.
• Personal property – Covers furniture, electronics, and belongings.
• Liability – Helps with lawsuits for injuries or property damage.
• Loss of use – Pays for temporary housing if your home is uninhabitable.

We recommend reviewing your coverage limits yearly to ensure they match your needs.

Here are proven ways to reduce your costs:

• Bundle your home and auto policies
• Install security systems and deadbolt locks
• Raise your deductible
• Maintain a claims-free record

Tip: Get a free policy review from us to uncover savings opportunities.

Most homeowners policies cover wind, hail, and fire damage but exclude floods and earthquakes. You can purchase separate flood or earthquake coverage for added protection.

Action step: Contact us to evaluate your risk and get a flood/earthquake insurance quote.

Yes. Your HOA’s policy covers shared structures, but not your personal belongings, liability, or improvements inside your unit. A condo policy fills these gaps and helps protect you from unexpected assessments.

Renters insurance protects your belongings and provides liability coverage if someone is injured in your rental unit. It’s affordable—often less than $15/month—and can save you thousands after a loss.

No. Renters insurance covers the named policyholder and their relatives. If you’re not listed, you’re not covered. We recommend each roommate have their own policy.

Business needs vary, but common coverages include:

• General liability – Covers accidents and lawsuits
• Commercial property – Helps protect buildings, equipment, and inventory
• Business auto – Covers vehicles used for work
• Professional liability – Helps protect service-based businesses from negligence claims
• Business interruption – Helps replace lost income after a covered event

Schedule a business insurance review to confirm you have the right protection in place.

Most auto and homeowners policies provide very limited boat coverage, if any. A dedicated boat policy offers broader protection for theft, damage, and liability while on the water or in storage.

We recommend reviewing your life insurance annually or after major life events, such as:

• Marriage or divorce
• Birth or adoption of a child
• Buying a home
• Significant changes in income
• Taking on care of a loved one

Life changes can impact your coverage needs—don’t wait until it’s too late.