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FAQs

FREQUENTLY ASKED QUESTIONS

Absolutely! Take advantage of the generous discounts most insurance carriers give you for packaging your home and auto together. Why pay more if you don’t have to?

In the property and casualty insurance industry, Actual Cash Value is a method of valuing insured property, or the value computed by that method. Actual Cash Value is not equal to replacement cost value. ACV is computed by subtracting depreciation from replacement cost.

A question most people hope to never have to worry about, but in the unfortunate event of an accident, all our carriers have a designated number on the front or back of their ID cards or will have a 1-800 number you can call.

This is by far the most frequently asked question by clients shopping for insurance. In most cases, it includes liability, comprehensive, and collision coverage. Collision coverage helps cover the costs to repair or replace your vehicle when it is involved in an accident with another car or object, and Comprehensive coverage helps pay to replace or repair your vehicle if it’s stolen or damaged in an incident that’s not a collision. Comprehensive, sometimes called “other than collision” coverage, typically covers glass, and damage from fire, vandalism, or falling objects (like a tree or hail). Liability will pay for damages you might cause to others.