Q: What does full coverage mean?
A: The term full coverage generally means that the insurance policy has both liability coverage and coverage
for damage to your vehicle.
Q: What can I do to keep my premiums down?
A: Check to see if you are eligible for any discounts such as claim free, driver's education, home, auto or multi-car.
Ask how much you can save by increasing your deductible.
Q: Am I covered if I drive someone else's vehicle?
A: Generally speaking, the insurance goes with the car.
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Q: What is a homeowner's policy?
A: A homeowner's Insurance policy protects your home against fires, theft and storms.
Q: Are all policies alike?
A: No, there are a number of different policies and it is important to choose
the one that is right for you.
Q: When should I think about adding coverage?
A: Generally you should contact your agent about reviewing your coverage whenever you change something
significant about your home or its contents. For examale: when adding an additional room or making a major purchase such as
a computer.
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Q: What is the difference between term and permanent life insurance?
A: Term insurance provides you with coverage for a specific period of time. It pays the
benefit only if you die during the term.
Q: Do I have to have a medical exam to qualify for life insurance?
A: In most cases, an exam is required. If so, we will pay the cost and have it done at a
time and place convenient for you- often at your home.
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