FAQ

» How do I know if I need a personal umbrella liability policy?

» What is a personal umbrella liability policy?

» What if I share my apartment with a roommate? Do we both need to have renters insurance?

» Why do some apartment complexes require tenants to have renters insurance?

» How does a renters policy protect my personal property?

» Why would I want to buy renters insurance?

» Can an existing life insurance policy be used to provide for the repayment of an outstanding mortgage loan?

» How does mortgage protection term insurance differ from other types of term life insurance?

» Should term insurance or cash value life insurance be purchased?

» What about purchasing life insurance on a spouse and on children?

» How much life insurance should an individual own?

» Do I need earthquake coverage? How can I get it?

» Where and when is my personal property covered?

» What are the policy limits (i.e., coverage limits) in the standard homeowners policy?

» What factors should I consider when purchasing homeowners insurance?

» What is the difference between “actual cash value” and “replacement cost”?

» What does homeowners insurance cover?

» What are some practical things I can do to lower the cost of my homeowners insurance?

» What factors can affect the cost of my automobile insurance?

» What is the difference between collision physical damage coverage and comprehensive physical damage coverage?

» I have an older car whose current market value is very low – do I really need to purchase automobile insurance?

Answer

» What are the advantages to using an agent to purchase insurance?

Answer

» What kinds of questions should I be expected to answer when I am applying for an insurance policy? Why do insurers need so much information?

Answer

Companies We Represent