For Life's Unexpected...
YOU WANT AN INSURANCE AGENCY YOU CAN TRUST
Frequently Asked Questions
General Insurance Questions
How can I get an insurance quote?
Auto Insurance Questions
What does the State require me to have regarding auto insurance?
What does full coverage mean on my auto insurance?
- Liability – Required by the State.
- Personal Injury Protection – Required to be offered to you by your agent.
- Uninsured-Underinsured Motorist – Required to be offered to you by your agent.
- Medical Payments – May be used instead of Personal Injury Protection.
- Other than Collision – Required if you have a lien holder.
- Collision – Required if you have a lien holder.
- Rental Reimbursement
- Towing and Labor
Do I need comp or collision on my auto?
The personal auto policy has a loss settlement basis of actual cash value. If your vehicle is damaged the insurance company will pay you a depreciated amount for your vehicle. Once your vehicle gets ten years old or has excessive mileage, you may want to consider not having any physical damage coverage on your vehicle. The depreciation will be severe. As a result, the premium for collision and other than collision coverages may not be a wise insurance purchase.
If I rent a car, do I have coverage for the rental car?
Can I insure my motorcycle on my auto policy?
Which car is the cheapest to insure?
Do I have coverage in Mexico?
Homeowners’ Insurance Questions
What are the types of homeowners insurance?
● Homeowners Form-B
● ISO Form 3
● Enhanced Homeowners Form-A
● Homeowners Form-A
The Homeowners Form-B and the ISO Form 3 are similar and have the broadest coverage. There are other forms for renters, dwelling fire, etc
Is it bad having a separate windstorm policy?
Do I need to have windstorm inspections on my new roof?
DOES MY MOBILE HOME INSURANCE COVER FLOOD?
Life & Health Insurance Questions
How much life insurance should I purchase?
What type of life insurance should I purchase?
Is there good cheap health insurance?
- Choose a plan the does not compromise the integrity of a major medical policy. Do not consider the short-term medical policies for long term.
- Choose the highest deductible you can withstand.
- Warning: Be sure to check the policies’ out-of-pocket maximums.
- Warning: There are poor policies being sold. If the proposal is too good to be true…
Which Medicare supplement plan is the best?
- Plan F
- High Deductible Plan F
- Plan G
Before you make a choice, you need to know the financial rating of the company and the current premium at age 65 and at age 85. You want to avoid the insurance companies that have a large difference in the age 65 and age 85 premiums. If you want out of hospital prescription drug coverage, you should get a Part D Prescription Drug Plan. WARNING: The Part D plans have a different enrollment period. The other option is a Part C Medicare Advantage Plan. The best advice is to contact a professional insurance agent. The senior health insurance market can be very confusing.