A typical policy covers your home’s structure, personal belongings, liability protection, and additional living expenses if you can’t live in your home after a covered loss.
Most standard policies exclude flood and earthquake damage — you’ll need separate coverage for those.
Experts recommend insuring your home for its full replacement cost, not just market value, to ensure you can rebuild if it’s destroyed.
Most policies don’t fully cover business equipment or liability for home-based businesses. You may need a rider or separate business policy.
Yes, adding security systems, smoke detectors, or storm-resistant upgrades may qualify you for discounts.
Liability covers damage or injury you cause to others, while full coverage includes liability plus collision and comprehensive protection for your own vehicle.
Yes, it’s highly recommended. It helps pay your expenses if you’re hit by a driver with little or no insurance.
Some policies extend coverage to rental vehicles, but it varies. Always check with your provider before renting.
Raising deductibles, bundling policies, maintaining a clean driving record, and taking safe driving courses can help reduce costs.
No, personal items are usually not covered under auto insurance. They may be covered under homeowner or renter’s insurance.
Term life is usually more affordable and best for temporary needs, while whole life provides lifelong coverage and builds cash value.
Payouts can cover funeral costs, replace lost income, pay off debts, fund children’s education, or provide financial security for loved ones.
A common rule is 7–10 times your annual income, but your needs depend on debts, dependents, and financial goals.
Many policies require a medical exam, but some insurers offer simplified or no-exam policies at higher premiums.
Yes, many policies allow you to increase coverage, add riders, or even convert term insurance into whole life as your needs evolve.
Anyone providing professional services or advice — such as doctors, consultants, lawyers, or designers — should carry it to protect against negligence or error claims.
No. It only covers unintentional errors, omissions, or negligence. Fraudulent or intentional acts are excluded.
Healthcare, legal, financial, IT, and consulting fields often require it due to the high risk of claims related to advice or services.
Yes, most policies include attorney fees, court costs, and settlements, which can otherwise be financially devastating.
General liability covers bodily injury or property damage, while professional liability covers financial losses caused by mistakes, errors, or negligence in professional services.
Most businesses benefit from a mix of General Liability, Commercial Property, Workers’ Compensation, and Business Interruption Insurance. Depending on your industry, you may also need Cyber Liability, Professional Liability, or Commercial Auto coverage.
A BOP bundles essential coverages—typically General Liability, Property Insurance, and Business Interruption—into one affordable package. It’s designed for small to mid-sized businesses.
Yes, liability policies like General Liability or Professional Liability Insurance help cover legal fees, settlements, and court costs if your business is sued.
The cost depends on your industry, business size, number of employees, location, and coverage limits. Small businesses may pay a few hundred dollars annually, while larger or higher-risk companies pay more.
It helps replace lost income and pay ongoing expenses (like rent, payroll, or utilities) if your business has to temporarily close due to a covered event such as fire or storm damage.
Looking for the right coverage at the best value?
Fill out the form below and a member of our team will reach out quickly to review your needs and provide the best options.
