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Below are some of the most common questions we receive on Personal Lines Products:

Q: Is water damage and mold covered on my homeowners insurance?

A: You must check your policy because this type of coverage can be excluded or include a limited amount of coverage.

Q: Do pets affect homeowners insurance?

A: Some pets will null and void your coverage. You don’t want to pay for a policy that will deny your claim due to your pet.

Q: What 5 questions should I ask when shopping for homeowners insurance?

1. Is my home covered for full replacement cost?
2. How much is the deductible on my policy?
3. How much coverage do I have on the contents of my home?
4. Does my policy include flood coverage?
5. Does my policy insure against water damage from sewer backups, sump overflows or water pressure from below the ground surface?
6. What is my stuff worth, such as hidden valuables in my home?
7. If you have jewelry, fine art or even antiques, you should get these items apraised. You may be surprised at their value.

Q: How do I insure my secondary home?

A: Always make sure you let your agency know this is not your primary home, some insurance carrier require alarms on the home.

Q: How is My Homeowners Premium Determined?

A: Several factors are taken into consideration to decide rates but here are a couple of things you can control; age of the home, construction type and where the home is located.

Q: How is my Auto Premium Determined?

A: Several things are taken into consideration to decide rates but here are a couple of things you can control; driving history, age of the vehicle and were you lives.

Q: Does Getting Married Affect My Car Insurance?

A: Yes, when you are married you should be on the same policy, you can receive a discount.

Q: What 6 Questions Should I Ask My Landlord Before Signing a Lease?

1. Are utilities included?
2. When is rent due and how do I pay it?
3. Is the security deposit refundable?
4. Is there 24/7 maintenance if I have an emergency?
5. How much notice will you give before entering my apartment?
6. What will you do to prepare the apartment before I move in?