Auto
- What happens when I loan my car to someone? Is that person covered by my policy? Am I still covered?
- Should I purchase the insurance that the rental car agency offers when I rent a car?
Auto
What happens when I loan my car to someone? Is that person covered by my policy? Am I still covered?
Yes. Liability and coverage for Physical Damage (i.e. Comprehensive and Collision) always follow your car. Plus, if the driver of your car is insured, his/her policy will also be available to cover the cost of damages and injuries. The same rules apply when you borrow someone else's vehicle; your own insurance follows you no matter whose car you're driving. But the vehicle owner's policy is the key coverage in the event of an accident. You also have the responsibility of letting us know all licensed drivers in your household or any regular driver even if their not in your household
Should I purchase the insurance that the rental car agency offers when I rent a car?
Yes. But your auto policy does provide coverage on your rental car at the same level as your own coverage. If you do not have full coverage on your personal auto policy then of course you need to purchase the rental car insurance to provide physical damage. But even if you do have full coverage, the rental car insurance will often waive your liability for the decrease in value that a car suffers after an accident.
Homeowner's Insurance
Are floods, earthquakes, and other natural disasters covered?
Most catastrophes are covered. Flood and earthquake damage, however, are not covered by a standard policy and both perils are more common than many people realize. We can advise you on such normally excluded conditions as floods and earthquakes.
Renter's Insurance
How expensive is renters insurance?
Renters insurance is typically available for as little as $100-$150 a year.
Life Insurance
Business and Commercial Insurance
General Questions and Billing Premiums
How do I file a claim?
Contact us immediately! The office number has an after hours and weekend emergency claim number. If the situation is under control, you may email us, give us a call, or submit the claim form on this website.
I just emailed you requesting a quote, when can I expect a response?
We will return your call the next business day at the latest. Most quotes take a matter of hours.