Frequently Asked Questions


When is it time to update my coverage?

Insurance is about protecting the important things in your life, both personal and business. When you have changes in your life, it's time to think about reviewing and updating your coverage. Here are some examples:

Personal & Business


  • A change in marital status
  • A new baby
  • New drivers
  • Death in the family
  • Kids going away to college
  • A change in jobs
  • Starting a home business
  • Ownership changes in home/auto/business
  • Paying off your car or home
  • Buying a home
  • Changing your mortgage
  • Moving to a new house or business location
  • Home renovation or addition
  • New  jewelry, antiques, fine arts, computer equipment or other expensive items

Is flood and earthquake coverage included in most homeowners and business policies?
No. Flood insurance must be purchased separately. Earthquake coverage is available as an endorsement.

Is flood insurance only important if you live in a high-risk area?
Flooding can occur almost anywhere. Homeowners are 4 times more likely to sustain a loss from a flood than a fire. Remember, homeowner policies do not cover flooding.

Is umbrella insurance important for everyone?
Simply put: YES It gives you added lawsuit protection.

 Is renter’s Insurance necessary?
Yes, if you want to protect your “stuff” and your bank account.

 If my car is old, do I need to have high lawsuit limits?
The age of a car has nothing to do with being sued. You need to have ample liability limits for any vehicle. A heavier, older car can inflict more damage than a newer, lighter car.

 If someone driving my car causes an accident, will I be held responsible?
 Yes.

 Does only the “Breadwinner” of the family need life insurance?
Both husband and wife should carry adequate life coverage in order to take care of the mortgage, college tuition and other expenses in case of death.

 I drive a company car, do I need my own auto insurance?
The car may be covered, but your liability probably isn’t. Even if your employer has coverage that provides some liability protection, it may not be adequate.  You could still be sued personally.