FAQs

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Frequently Asked Questions

Answers from your local independent insurance expert

What does an independent insurance agent do?

An independent insurance agent represents multiple insurance carriers instead of being tied to just one company. This gives clients access to a broader range of policies and pricing options. Independent agents work as advocates for the client, helping compare coverage, explain terms, and assist with claims—ensuring you get the best protection for your unique needs.

Why should I work with an independent agent instead of buying insurance online?

While buying insurance online may seem convenient, it often lacks the personal guidance and customization that an independent agent provides. Independent agents offer one-on-one consultations, answer questions specific to your situation, and help you avoid gaps or overlaps in coverage. They’re also there to support you if you need to file a claim or make policy changes later.

What types of insurance can an independent agent help me with?

Independent agents typically offer a full range of insurance products including auto insurance, homeowners insurance, renters insurance, life insurance, business insurance, flood coverage, umbrella liability, and more. Whether you need coverage for your car, house, or business, an independent agent can tailor a policy that fits your lifestyle and budget.

How do I get an insurance quote?

Getting a quote is simple. You can contact an independent agent directly through a website form, phone call, or in person. After gathering some basic details—like your home address, vehicle info, or business type—the agent will shop across multiple top-rated insurers to find the best policy options for you. There’s no obligation to buy, and quotes are typically free.

Auto Insurance FAQs

What’s required by law when it comes to auto insurance?

Each state sets its own minimum requirements, but most mandate liability insurance to cover damages or injuries you cause to others in an accident. Many drivers also choose additional coverage such as collision, comprehensive, uninsured motorist, and personal injury protection for more complete protection.

What affects my car insurance rate?

Your auto insurance premium is influenced by several factors including your age, driving history, credit score, type of vehicle, location, and coverage choices. Discounts may be available for safe driving, bundling policies, or installing safety features in your vehicle. An independent agent can help you find the most cost-effective policy.

What should I do after an accident?

First, make sure everyone is safe and contact emergency services if needed. Exchange information with the other driver and document the scene with photos. Then, contact your independent agent as soon as possible to begin the claims process. Your agent will guide you step-by-step and work with your insurer to resolve the claim efficiently.

Home Insurance FAQs

What does homeowners insurance cover?

Homeowners insurance typically includes protection for your home’s structure, your personal belongings, liability in case someone is injured on your property, and additional living expenses if your home becomes uninhabitable due to a covered loss. Specific coverage details can vary, so it’s important to review your policy regularly with your agent.

Is my home protected against floods and earthquakes?

Most standard homeowners insurance policies do not cover natural disasters like floods and earthquakes. These types of coverage must be purchased separately, either through private insurers or government programs like the National Flood Insurance Program (NFIP). An independent agent can help you assess your risk and secure the right supplemental coverage.

How do I determine the right amount of home insurance?

You should insure your home for its full replacement cost—what it would take to rebuild it from the ground up with current materials and labor costs. This figure is not the same as your home’s market value. Your independent agent can help calculate an appropriate coverage amount and make sure you’re protected against inflation or rising construction prices.

Personal Insurance FAQs

What is personal insurance and what does it cover?

Personal insurance refers to coverage that protects individuals and families against financial loss due to accidents, disasters, theft, or lawsuits. Common types include auto, home, renters, and personal liability insurance. These policies help safeguard your assets and provide peace of mind in your everyday life.

Do I need umbrella insurance?

Umbrella insurance provides an extra layer of liability protection above your standard auto or home policy limits. If you’re sued for damages that exceed your regular policy coverage, an umbrella policy can help cover legal fees, settlements, or judgments. It’s especially important for homeowners, high-net-worth individuals, landlords, and anyone looking for added peace of mind.

Business Insurance FAQs

What kind of insurance does my small business need?

Every business has different risks, but common coverages include general liability insurance, commercial property insurance, professional liability (errors and omissions), workers’ compensation, cyber liability, and business interruption insurance. A Business Owner’s Policy (BOP) is a convenient package that combines several of these into one policy for small businesses.

Do I need insurance if I work from home?

Yes. Your homeowners policy may not cover business-related losses like damaged equipment, customer injuries, or data breaches. If you run a business from home—such as consulting, e-commerce, or freelance work—it’s important to consider a home-based business policy or rider to fill those gaps.

How often should I review my business insurance coverage?

You should review your business insurance annually or whenever you experience a significant change, such as hiring employees, purchasing new equipment, expanding to a new location, or offering new services. Keeping your coverage up to date ensures your business is protected from evolving risks.

Is cyber liability insurance really necessary for small businesses?

Absolutely. Small businesses are increasingly targeted by cybercriminals because they often lack the robust security measures of larger companies. Cyber liability insurance helps cover the costs of data breaches, ransomware attacks, legal claims, and lost revenue due to digital threats. If you store customer information, accept online payments, or rely on technology, this coverage is vital.