Insurance Policy FAQs

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Online Payments

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Read Through Our Frequently Asked Questions to Understand Your Insurance

There are so many insurance terms. Most people don't speak the language. Find out what all the lingo means by reading our insurance FAQs below. If you still have questions, call us now. We're happy to answer any other questions.

Auto Insurance FAQs

  • What is full coverage auto insurance?

    Full coverage auto insurance means that your policy includes liability as well as collision and comprehensive coverage.

  • Can you explain the basics of auto insurance?

    There's a lot to learn about auto insurance. Here's a helpful link to get you started.

  • Do I need to purchase rental car insurance, or will my auto insurance policy cover it?

    We suggest that you purchase rental car insurance. Your policy may not cover items that the rental company holds you legally responsible for like administrative fees, the daily income lost from not being able to rent the vehicle to others, and the depreciated value of the vehicle after repairs are made. 

Homeowners Insurance FAQs

  • Why do I need homeowners insurance?

    If you have questions about why you need homeowners insurance, this website is a great resource.

  • Do I need homeowners insurance if I am renting?

    Renting carries a lot less responsibility than owning a home, but insurance can still be important. Read about renter's insurance at this website to find out why.

  • I am thinking of buying a condo. Do I still need homeowners insurance?

    While your condominium association may have coverage to protect the structure of the building, it likely won’t cover your personal property or the portion of the building that you own (like inside walls). Check with your association to see exactly what is covered and then we can help you to find a policy to fill any gaps.

  • Is it necessary to take photos of everything I own or to have a home inventory?

    While it’s not necessary, it will make things easier in the event of a claim. Check out this link to learn about how creating a home inventory can help.

Recreational Vehicle Insurance FAQs

  • I don’t have a loan on the motor home or travel trailer. Do I really need to insure it?

    Your motor home or travel trailer is a significant investment, which is why you should always make smart choices to protect yourself. Learn more about RV insurance.

  • Do I need liability insurance on my vehicle?

    We would advise you to carry liability insurance on all of your vehicles.

  • I don’t use my vehicle anywhere but on my own property. Do I still need to insure it?

    In the event that you cause bodily injury or property damage to others with the vehicle, you would want liability coverage. 

Church Insurance FAQs

  • Do we need cyber liability coverage for our church?

    Yes, if your church stores any personal, private, or financial information on computers or accepts donations or tithes online, then cyber liability cover would be important. 

  • What is directors and officers coverage, and do we need it?

    This coverage is written to provide directors or officers of your organization with liability insurance for decisions made during their tenure. If you have church board members or trustees, this a valuable coverage for your church to have.

Business Insurance FAQs

  • We’re a small business just starting out. Can you help us?

    We insure many small businesses and will be happy to help you as you start this endeavor.

  • What is cyber liability coverage, and do we need it?

    Learn more about cyber liability coverage.