Frequently Asked Questions
Insurance can be confusing, especially when policies look similar but work very differently. Below are answers to the most common questions we receive about insurance coverage, quotes, and working with an independent insurance agency.
Frequently Asked Questions
An independent insurance agency works with multiple insurance companies instead of just one. This allows us to compare coverage options across carriers and help you choose a policy based on protection, value, and reliability, not just price.
The coverage you need depends on your assets, income, responsibilities, and risk exposure. Auto, home, business, and agribusiness insurance all protect different risks. Reviewing your situation helps identify coverage gaps and avoid buying too much or too little insurance.
Insurance companies calculate risk differently. Factors like location, claims history, coverage limits, deductibles, and type of risk all affect pricing. This is why comparing quotes from multiple carriers is important.
No. The lowest price often comes with lower coverage limits or exclusions. A cheaper policy may cost more later if it does not provide enough protection during a claim.
You should review your insurance coverage at least once a year and after major life or business changes. This includes buying property, adding vehicles, growing a business, or changes in income or assets.
Basic information usually includes: Personal or business details Property or vehicle information Prior insurance history Desired coverage limits Providing accurate information helps ensure quotes reflect the correct coverage.
Yes. Many insurance companies offer discounts when policies like auto and home insurance are bundled together. Bundling can save money, but coverage should still be reviewed to ensure it fits your needs.
Liability insurance helps protect you if you are legally responsible for injury or property damage. It is one of the most important parts of any insurance policy because it protects your income and assets.
A deductible is the amount you pay out of pocket before insurance coverage applies. Higher deductibles usually lower premiums, while lower deductibles increase premiums. The right deductible depends on your budget and risk tolerance.
In many cases, yes. Even small or home-based businesses face liability risks. Business insurance can help protect against lawsuits, property damage, and income loss.
Agribusiness insurance is designed for farms, ranches, and agricultural operations. It can include coverage for property, equipment, liability, and business interruption risks specific to agriculture.
Yes. Insurance requirements and risk factors vary by state. Moving is an important time to review and update your coverage to ensure it complies with local rules and reflects new risks.
If coverage limits are too low, you may have to pay out of pocket for losses beyond what your policy covers. This is why reviewing coverage limits is critical, especially as assets and income increase.
Yes. An independent insurance agency can help explain the claims process, answer coverage questions, and assist with communication during a claim.
You can start by requesting a quote and providing basic information about your needs. Comparing quotes side by side helps ensure coverage matches correctly across policies. You can begin here: Compare Insurance Quotes
If you do not see your question listed here, our team is happy to help. Visit our Contact Us page to reach out.