Please follow the links below for some frequently asked questions on each of the highlighted types of insurance:

(*please note that pages will open up in a separate window
and are linked to our trusted choice independent insurance website)

Auto Insurance FAQ	Home/Apartment Insurance FAQ
Life/Health Insurance FAQ	Business Insurance FAQ

Auto Insurance Questions and Answers

• Why do I need auto insurance?
• What are the different types of policies and what do they cover?
• Why and how are policies priced for different drivers?
• How does where I live affect my premium?
• Why are rates different for different cars, even if the cars cost the same?
• What is "no-fault" insurance?
• Do all states require some kind of liability insurance?
• What happens if I have an accident with an uninsured driver?
• Why would my insurer cancel my policy?
• What do I do if my insurer cancels or refuses to renew my policy?
• How do I keep my insurance company from canceling my policy?
• What steps can I take to reduce my rates?
• How does adding drivers to my policy affect my rates?
• Who's watching the insurance companies?
• Do I always need to buy insurance when I rent a car? Am I not covered by my own policy?
• What happens when I loan my car to someone? Is that person covered by my policy? Am I still covered?
• Am I covered for natural disasters or "Acts of God?"
• What should I make sure my policy includes? Do I really need to read all the fine print?
• How can I challenge my insurers if they refuse to cover a claim?
• What actually happens when I report an accident?
• Do I need special insurance for a classic car?
• Under what circumstance do I not need certain types of auto insurance?

House/Apartment Insurance Questions and Answers

• Do I really need insurance for my home?
• My homeowners insurance is part of my monthly mortgage payment. Who decides what insurance to get?
• What does a homeowners policy cover?
• Against which perils is my property protected?
• What about floods, earthquakes and other catastrophes?
• Are there any exclusions I should know about? Are the backyard shed and my color TV both covered in my homeowners policy?
• Who decides how much my property is worth?
• How much will I be paid for damage to my personal property?
• Does my policy cover my possessions even when I go on vacation?
• I rent out my basement. Are my tenants covered by my homeowners policy?
• My mother lives with us in a separate in-law suite. Are her possessions covered?
• What about our vacation home in the next state?
• I work out my home. Are my inventory and business property covered?
• Help! I've lost everything! Where do I start?
• Why does the insurance company want to know where the nearest fire hydrant to my home is?
• Is there anything I can do to lower my premiums?
• Who keeps an eye on the insurance companies?
• What do I do when my property is damaged or stolen?
• What if I am sued or found liable for injury to another person?
• I am a renter, not a homeowner. Do I need insurance?
• Isn't my apartment covered under my landlord's policy?
• How are prices determined for renters insurance?
• I live in an apartment with three roommates. Do we each need a policy?
• I own a condo. How is my policy different?

Life/Health Insurance Questions and Answers

• What is life insurance?
• How much life insurance should I have?
• Who will receive money if I die? How much?
• Does it matter how I die as to how much my beneficiaries will collect?
• Who can I name as my beneficiaries? How often can I change them?
• Are there different types of life insurance I should consider?
• Do I have to die to collect life insurance?
• Will I ever need to re-qualify to keep my life insurance policy, as long as my premiums are paid on time?
• How do they set a price for life insurance?
• Which life insurance is less expensive permanent or term?
• If term life insurance is less expensive, why buy permanent?
• If I need to cash in my life insurance at some point, how much will it be worth?
• What is the major purpose of health insurance?
• What are the major types of individual health insurance policies?
• Do I need an individual policy if I have group insurance at work?
• What is a major medical health insurance policy?
• How does a health insurance deductible work?
• What does coinsurance mean in a health insurance policy?
• What is the purpose of coinsurance stop-loss, maximum out of pocket, etc. Isn't this just complicating the policy?
• What does a disability income policy do?
• What does disability mean?
• How long can I collect under a disability income policy?
• Must I be disabled for a certain length of time before my disability benefits begin?
• What is a PPO?
• What is a HMO?
• What is the purpose of PPOs and HMOs?
• What if I want to go to any doctor or hospital I choose?

Business Insurance Questions and Answers

• I'm just getting my business started. Do I need insurance right away?
• I don't have any major business assets. Why do I need insurance?
• Is insurance coverage different for different businesses?
• What types of property do I need to insure?
• What types of property insurance should I consider buying?
• How much property insurance do I need to buy?
• Who decides how much my business property is worth?
• What kinds of events does business insurance cover?
• What if someone sues my business?
• What about the cars and truck that I have in my business? Is the coverage like what I have on my personal car?
• Will I need to protect my employees in the event they are injured on the job?
• I keep one auto strictly for business. Do I need a separate policy?
• I just signed a 3-year lease to open my business. Why does my insurance agent want to see my lease?
• My business requires that I store gasoline on the premises. Do I have to have special insurance?
• I run a dry-cleaning business. What happens if fire destroys many of my customers€™ clothes that were stored in the building?
• What if the clothes I manufacture are damaged in shipment? Does the shipping company reimburse me or do I put in a claim to my insurance company?
• I work out of my home. Will my homeowners insurance cover my business?
• What is coinsurance all about?
• As a retailer, do I need to worry about product liability?
• Now that my business is established, I think it is time to offer my employees some benefits. What do I need to know?
• Can I do anything to lower my insurance premiums?
• Who keeps an eye on the insurance companies?
• What should I look for in an agent?