Your driving record, age, type of car, location, and credit score are all factors that insurance companies consider when determining rates.
Consider bundling insurance policies, maintaining a good driving record, increasing your deductible, and looking for discounts such as good student or multi-car discounts.
If you have a loan or lease on your vehicle, full coverage is typically required. If your car is older and paid off, you may consider liability-only coverage.
Liability insurance covers damages you cause to others, while full coverage includes both liability and protection for your own vehicle in case of accidents, theft, or natural disasters.
Yes, many policies allow changes, but there may be limitations or additional costs depending on the type of change you’re seeking.
Term life provides coverage for a specific period, while whole life offers lifelong coverage and includes a savings component.
It typically takes 30-60 days for the insurer to process and pay out the death benefit after the claim is made.
Yes, many policies allow changes, but there may be limitations or additional costs depending on the type of change you’re seeking.
Homeowners insurance covers your home and possessions from damages or loss due to fire, theft, vandalism, and some natural disasters.
Standard homeowners insurance does not cover flood damage, but flood insurance can be purchased separately.
Yes, personal belongings are generally covered even when outside your home, but some limitations may apply based on the policy.
Contact your insurance provider immediately, document the damages, and file a claim to start the process.
Business insurance protects your business from risks such as property damage, liability claims, and employee-related issues.
Yes, even sole proprietors can face risks, and business insurance can help protect personal assets from business-related lawsuits or damage.
Common types include general liability insurance, property insurance, workers’ compensation, and professional liability insurance.
The amount you need depends on your business size, industry, and potential risks. A professional agent can help determine the appropriate coverage.Standard homeowners insurance does not cover flood damage, but flood insurance can be purchased separately.
