You’ve got questions. We’ve got a webpage for you.

Q: What are the benefits of purchasing insurance through an independent agent?

A: An independent agent offers personal service that is hard to come by these days. An agent will shop your insurance policies with multiple top rated insurance carriers to find the best coverages at the lowest price. Plus, in the event of a claim, it’s nice to hear a familiar voice on the other line who you know will go to bat for you, instead of being introduced to someone you’ve never met before in a time of crisis.

Q: What’s the difference between Actual Cash Value and Replacement Cost?

A: Let’s use an analogy: If your 10-year-old home were like a BMW and it suffered a total loss, an Actual Cash Value policy would replace it with something like a Honda Civic, whereas Replacement Cost would give you a brand new BMW. Actual Cash Value is a form of insurance that pays damages equal to the replacement cost of damaged property minus depreciation. Replacement Cost is insurance that pays the dollar amount needed to replace your damaged property without deducting for depreciation, up to the maximum insurance limit on your policy.

Q: Is my personal property covered when I travel with it?

A: A resounding Yes! Personal property (except property that is specifically excluded) is typically covered anywhere in the world. So that new iPad or iPod or iWhatever that accidentally got crushed underfoot while running with the bulls in Spain is covered. Heck, even if the Persian rug you purchased while in Turkey get’s snagged and unraveled in the airport escalator, you’re covered. Even if it hasn’t made it to your home yet, its still covered.

Q: Doesn’t my landlord’s insurance cover me?

A: No! Your landlord may have coverage that protects the building you live in, but not your belongings. If someone breaks into your apartment and steals your stuff, you’re out of luck, Chuck. That is, unless you have renters insurance.

A typical Renters Insurance policy includes coverage for:

Fire, theft or vandalism of your personal belongings
Items like laptops or bikes, wherever you take them
Increased cost of another place to live if your apartment becomes uninhabitable
Injury you cause to another person
Damage you cause to another person’s property
Not bad, especially for a policy that costs less than you probably think.

Q: What if I have a roommate? Do we need separate renters policies?

A: A typical renters policy covers only you and relatives that live with you. So unless you’re married to your roommate or you carpool to family reunions together, you both need to have your own renters policy. This way, you’ll each cover your own property and your own actions (You party animals, you!).

Q: What is Business Interruption insurance?

A: A Commercial Property policy will pay to repair or rebuild your building after a covered loss occurs, but how will you keep your business afloat while repairs are being made? Rebuilding after a complete loss can take months. That’s where Business Interruption coverage comes in.

A Business Interruption policy is like short-term disability coverage for your business property. It reimburses you for lost revenues and profits while repairs are being made to your building. And, just because your building is damaged, doesn’t mean you’re allowed to stop paying your bills. That’s why Business Interruption also pays for your continuing expenses.

You can also purchase Extra Expense coverage that will pay for things like a temporary location for your business operations and advertising costs to get the word out that your business has a new home for the time being. This is especially important for businesses that are heavily dependent on their location like grocery stores, restaurants or warehouse operations.

Q: What are the benefits of purchasing insurance through an independent agent?

A: An independent agent offers personal service that is hard to come by these days. An agent will shop your insurance policies with multiple top rated insurance carriers to find the best coverages at the lowest price. Plus, in the event of a claim, it’s nice to hear a familiar voice on the other line who you know will go to bat for you, instead of being introduced to someone you’ve never met before in a time of crisis.

Q: What’s the difference between Actual Cash Value and Replacement Cost?

A: Let’s use an analogy: If your 10-year-old home were like a BMW and it suffered a total loss, an Actual Cash Value policy would replace it with something like a Honda Civic, whereas Replacement Cost would give you a brand new BMW. Actual Cash Value is a form of insurance that pays damages equal to the replacement cost of damaged property minus depreciation. Replacement Cost is insurance that pays the dollar amount needed to replace your damaged property without deducting for depreciation, up to the maximum insurance limit on your policy.

Q: Is my personal property covered when I travel with it?

A: A resounding Yes! Personal property (except property that is specifically excluded) is typically covered anywhere in the world. So that new iPad or iPod or iWhatever that accidentally got crushed underfoot while running with the bulls in Spain is covered. Heck, even if the Persian rug you purchased while in Turkey get’s snagged and unraveled in the airport escalator, you’re covered. Even if it hasn’t made it to your home yet, its still covered.

Q: Doesn’t my landlord’s insurance cover me?

A: No! Your landlord may have coverage that protects the building you live in, but not your belongings. If someone breaks into your apartment and steals your stuff, you’re out of luck, Chuck. That is, unless you have renters insurance.

A typical Renters Insurance policy includes coverage for:

Fire, theft or vandalism of your personal belongings
Items like laptops or bikes, wherever you take them
Increased cost of another place to live if your apartment becomes uninhabitable
Injury you cause to another person
Damage you cause to another person’s property
Not bad, especially for a policy that costs less than you probably think.

Q: What if I have a roommate? Do we need separate renters policies?

A: A typical renters policy covers only you and relatives that live with you. So unless you’re married to your roommate or you carpool to family reunions together, you both need to have your own renters policy. This way, you’ll each cover your own property and your own actions (You party animals, you!).

Q: What is Business Interruption insurance?

A: A Commercial Property policy will pay to repair or rebuild your building after a covered loss occurs, but how will you keep your business afloat while repairs are being made? Rebuilding after a complete loss can take months. That’s where Business Interruption coverage comes in.

A Business Interruption policy is like short-term disability coverage for your business property. It reimburses you for lost revenues and profits while repairs are being made to your building. And, just because your building is damaged, doesn’t mean you’re allowed to stop paying your bills. That’s why Business Interruption also pays for your continuing expenses.

You can also purchase Extra Expense coverage that will pay for things like a temporary location for your business operations and advertising costs to get the word out that your business has a new home for the time being. This is especially important for businesses that are heavily dependent on their location like grocery stores, restaurants or warehouse operations.

Q: What are the benefits of purchasing insurance through an independent agent?

A: An independent agent offers personal service that is hard to come by these days. An agent will shop your insurance policies with multiple top rated insurance carriers to find the best coverages at the lowest price. Plus, in the event of a claim, it’s nice to hear a familiar voice on the other line who you know will go to bat for you, instead of being introduced to someone you’ve never met before in a time of crisis.

Q: What’s the difference between Actual Cash Value and Replacement Cost?

A: Let’s use an analogy: If your 10-year-old home were like a BMW and it suffered a total loss, an Actual Cash Value policy would replace it with something like a Honda Civic, whereas Replacement Cost would give you a brand new BMW. Actual Cash Value is a form of insurance that pays damages equal to the replacement cost of damaged property minus depreciation. Replacement Cost is insurance that pays the dollar amount needed to replace your damaged property without deducting for depreciation, up to the maximum insurance limit on your policy.

Q: Is my personal property covered when I travel with it?

A: A resounding Yes! Personal property (except property that is specifically excluded) is typically covered anywhere in the world. So that new iPad or iPod or iWhatever that accidentally got crushed underfoot while running with the bulls in Spain is covered. Heck, even if the Persian rug you purchased while in Turkey get’s snagged and unraveled in the airport escalator, you’re covered. Even if it hasn’t made it to your home yet, its still covered.

Q: Doesn’t my landlord’s insurance cover me?

A: No! Your landlord may have coverage that protects the building you live in, but not your belongings. If someone breaks into your apartment and steals your stuff, you’re out of luck, Chuck. That is, unless you have renters insurance.

A typical Renters Insurance policy includes coverage for:

Fire, theft or vandalism of your personal belongings
Items like laptops or bikes, wherever you take them
Increased cost of another place to live if your apartment becomes uninhabitable
Injury you cause to another person
Damage you cause to another person’s property
Not bad, especially for a policy that costs less than you probably think.

Q: What if I have a roommate? Do we need separate renters policies?

A: A typical renters policy covers only you and relatives that live with you. So unless you’re married to your roommate or you carpool to family reunions together, you both need to have your own renters policy. This way, you’ll each cover your own property and your own actions (You party animals, you!).

Q: What is Business Interruption insurance?

A: A Commercial Property policy will pay to repair or rebuild your building after a covered loss occurs, but how will you keep your business afloat while repairs are being made? Rebuilding after a complete loss can take months. That’s where Business Interruption coverage comes in.

A Business Interruption policy is like short-term disability coverage for your business property. It reimburses you for lost revenues and profits while repairs are being made to your building. And, just because your building is damaged, doesn’t mean you’re allowed to stop paying your bills. That’s why Business Interruption also pays for your continuing expenses.

You can also purchase Extra Expense coverage that will pay for things like a temporary location for your business operations and advertising costs to get the word out that your business has a new home for the time being. This is especially important for businesses that are heavily dependent on their location like grocery stores, restaurants or warehouse operations.

Q: What are the benefits of purchasing insurance through an independent agent?

A: An independent agent offers personal service that is hard to come by these days. An agent will shop your insurance policies with multiple top rated insurance carriers to find the best coverages at the lowest price. Plus, in the event of a claim, it’s nice to hear a familiar voice on the other line who you know will go to bat for you, instead of being introduced to someone you’ve never met before in a time of crisis.

Q: What’s the difference between Actual Cash Value and Replacement Cost?

A: Let’s use an analogy: If your 10-year-old home were like a BMW and it suffered a total loss, an Actual Cash Value policy would replace it with something like a Honda Civic, whereas Replacement Cost would give you a brand new BMW. Actual Cash Value is a form of insurance that pays damages equal to the replacement cost of damaged property minus depreciation. Replacement Cost is insurance that pays the dollar amount needed to replace your damaged property without deducting for depreciation, up to the maximum insurance limit on your policy.

Q: Is my personal property covered when I travel with it?

A: A resounding Yes! Personal property (except property that is specifically excluded) is typically covered anywhere in the world. So that new iPad or iPod or iWhatever that accidentally got crushed underfoot while running with the bulls in Spain is covered. Heck, even if the Persian rug you purchased while in Turkey get’s snagged and unraveled in the airport escalator, you’re covered. Even if it hasn’t made it to your home yet, its still covered.

Q: Doesn’t my landlord’s insurance cover me?

A: No! Your landlord may have coverage that protects the building you live in, but not your belongings. If someone breaks into your apartment and steals your stuff, you’re out of luck, Chuck. That is, unless you have renters insurance.

A typical Renters Insurance policy includes coverage for:

Fire, theft or vandalism of your personal belongings
Items like laptops or bikes, wherever you take them
Increased cost of another place to live if your apartment becomes uninhabitable
Injury you cause to another person
Damage you cause to another person’s property
Not bad, especially for a policy that costs less than you probably think.

Q: What if I have a roommate? Do we need separate renters policies?

A: A typical renters policy covers only you and relatives that live with you. So unless you’re married to your roommate or you carpool to family reunions together, you both need to have your own renters policy. This way, you’ll each cover your own property and your own actions (You party animals, you!).

Q: What is Business Interruption insurance?

A: A Commercial Property policy will pay to repair or rebuild your building after a covered loss occurs, but how will you keep your business afloat while repairs are being made? Rebuilding after a complete loss can take months. That’s where Business Interruption coverage comes in.

A Business Interruption policy is like short-term disability coverage for your business property. It reimburses you for lost revenues and profits while repairs are being made to your building. And, just because your building is damaged, doesn’t mean you’re allowed to stop paying your bills. That’s why Business Interruption also pays for your continuing expenses.

You can also purchase Extra Expense coverage that will pay for things like a temporary location for your business operations and advertising costs to get the word out that your business has a new home for the time being. This is especially important for businesses that are heavily dependent on their location like grocery stores, restaurants or warehouse operations.

Reach Out To Us

Don’t see your question? There are numerous ways to get in touch with us so we can help you fully understand your insurance, ways to save and minimize your risks.