F.A.Q.s (Frequently Asked Questions)
What types of insurance do you offer?
The types of business insurance you may need include general liability, property insurance, workers’ compensation, and professional liability, depending on your business structure and risks.
How can I get a quote?
You can obtain a quote by filling out our online form, calling our customer service, or visiting a local agent.
What does a typical health insurance policy cover?
Health insurance policies generally cover doctor visits, hospital stays, prescriptions, and preventative care. Contact an agent today to find the right plan to meet you unique needs.
What is the difference between HMO and PPO health plans?
HMO plans require you to choose a primary care physician and get referrals to specialists, while PPO plans offer more flexibility in choosing healthcare providers without referrals.
Are pre-existing conditions covered?
Most of our health insurance plans cover pre-existing conditions after a waiting period.
What is business insurance and why do I need it?
Business insurance protects your company from financial loss due to unforeseen events, such as liability claims or property damage.
Can I customize my business insurance policy?
Yes, we offer customizable policy options to suit the unique needs of your business.
What types of business insurance do I need?
Your premium may be affected by your driving history, the type of vehicle, your location, and coverage levels.
Do I need auto insurance if I only drive occasionally?
Yes, it’s required by law to have at least the minimum liability coverage, regardless of how often you drive.
What factors impact my auto insurance premium?
Your premium may be affected by your driving history, the type of vehicle, your location, and coverage levels.
Does homeowners insurance cover natural disasters?
Standard homeowners insurance typically covers various natural disasters, but some events like floods or earthquakes may require additional coverage or a separate policy.
What does homeowners insurance typically cover?
Homeowners insurance usually covers the structure, personal belongings, liability, and additional living expenses in case of damage.
Can I get home insurance for rental properties?
Yes, we offer specialized policies for rental properties to protect your investment.
What are the different types of life insurance?
We offer term life, whole life, and universal life insurance, each with different benefits and coverage options.
How much life insurance do I need?
Your life insurance needs depend on your individual circumstances, such as your dependents, debts, and financial goals.
What discounts are available for insurance policies?
We offer various discounts, such as multi-policy, safe driving, and loyalty discounts. Please inquire for more specifics.