Frequently Asked Questions

Simple answers

Personal Insurance

Should I have my home and auto insurance with the same company?

Absolutely YES! If you can package your home and auto together with the same insurance company you should do it. There could be significant cost savings involved, in addition to other benefits.

Do claims and tickets affect my insurance premiums?

Yes. Claims for homes and claims and violations for autos do make a difference in the rating of your policy. The impact depends on the severity of the claim and if you were at fault. Tickets and accidents will impact your premiums for a three-year period while major tickets such as DUI’s and careless driving can impact your rates for five years.

Is my credit considered when rating my policies?

Yes. Your credit will be checked when an insurance company is rating a home or automobile policy for you. This is an insurance score, which is slightly different than your credit score. The insurance score does not show as a “hit” on your credit, like other credit inquiries (multiple credit inquiries can actually lower your credit score).

Business Insurance

What is the difference between general liability and professional liability?

At a 10,000 foot view general liability is slips, trips, falls and product liability meaning bodily injury and/or property damage to a 3rd party. Professional liability is protecting your business against bad advice or guidance. Any time you give professional opinion, advice or guidance you are opening yourself up to a professional liability claim.

Should my small business have business income insurance?

Business income provides reimbursement for lost income after a covered insurance loss. For a company that does not have a physical address that is crucial to its business, such as a contractor, business income is probably less of a critical need. For store front or main street businesses, like a coffee shop, business income is a must.

Specialty Insurance

When is an appraisal required on a classic car?

We typically do not require appraisals. If we need further documentation supporting a vehicle’s value, we will contact you during the underwriting process.

How do I insure my jewelry collection?

While nothing – not even jewelry insurance – can completely replace the sentimental value attached to a special piece of jewelry given to you by a loved one if it is ever lost or stolen, a good jewelry insurance policy can help you do the next best thing: repair or replace your jewelry should something unfortunate happen to it.

General

What is an Independent Insurance Agent?

What defines an Independent Insurance Agent is our ability to shop your insurance through multiple insurance companies. Our job is help you create the best coverage package to meet your needs and then go to the market and find the most competitively priced insurance company for those coverages.

Does changing my insurance company affect my credit score?

Changing your insurance carrier has NO effect on your credit score. You can change as often as you like and it makes no matter to your credit score.

I had a claim, now what?

We know that “stuff happens” and there will be the unfortunate instance where you will have a claim to report. The majority of our insurance companies have a 24/7 claim centers or you can call us directly. That being said, there are some advantages to calling our office to speak to us about your claim. Our dedicated agents can advise you on what the effects of filing your claim would be, and explain how the claims process works. Hopefully taking the headache out of what already is a painful process.

The next step is easy, call 610-770-6600

Or Contact Us!