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Personal Insurance Frequently Asked Questions


Auto Insurance


Homeowners Insurance




Do I really need auto insurance?


Auto insurance is designed to protect you financially. If you are responsible for injuries, you may be held liable for the injured person's vehicle repairs, medical expenses, therapy and loss of wages.


All states require you to be financially responsible when driving a car. Depending on the state, you may be legally required to have auto insurance.


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Who is covered under my auto policy?


It depends on your policy. Often, your spouse, children or others with permission to drive your vehicle are covered. Be sure to check with us for your particular policy.


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What coverage options are available?


Most states require that you carry a minimum amount of liability coverage. Liability insurance pays for damages if you become legally liable due to resulting body or property damage. Beyond that, you have many choices, ranging from different types of coverage, the amount of coverage and deductibles.


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What factors may affect my auto insurance rates?


  • Your driving record
  • Where your vehicle is garaged
  • The make, model and year of your vehicle
  • Your age and/or gender
  • Youthful operators
  • How you use your vehicle / daily miles to work etc.

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How can I reduce my rates?


  • Increase your deductible
  • Drive safely
  • Meet the requirements for one of the many discounts: multiple auto, multiple line, good student, etc.

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What factors can change my rates?


  • Marital status
  • Number of people in your family
  • Change in use of vehicle
  • Driving records

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If I'm in an accident, can I get a rental car?


Yes, if it is included in your policy. To verify if you have rental coverage please contact us.


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What's the best way to inventory my belongings?


Keep detailed records of personal property including receipts, serial numbers, appraisals and the name and addresses of appraisers with these descriptions.


  • Don't forget to inventory what's in your closets, attic and basement.
  • Videotape or photograph your inventory.
  • Take a photograph with your closet door open to indicate the quantity of your clothes.
  • Keep your inventory up-to-date.

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Does homeowners insurance protect me if someone gets hurt on my property?


Typically homeowner's insurance covers your liabilities if a guest falls and requires medical care. The amount of liability coverage is determined by your policy limits.


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Am I required to carry homeowners insurance?


Unlike auto insurance you are not required by law to have homeowners insurance by your mortgage company may require it.


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If I rent but don't own can I still get coverage?


Yes. Renters can purchase policies very similar to homeowners that cover personal property, liability, medical expenses etc., the renters policy simply does not cover the actual dwelling.


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What is not covered by typical homeowner's insurance?


There is a wide variety of damages, conditions, and costs that are not covered by homeowner's insurance. For example:


  • Your claim exceeds your maximum stated coverage amount.
  • You have flood damage.
  • You have losses related to business activities in your home and you do not carry incidental business insurance.
  • Your claim is covered by other insurance.
  • Someone else who is intentionally insured under your policy caused your claim.

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Tools & Resources
What to do in case of an accident:
Print this form and place in glove box.


Insurance Information & Tips
Filing an Auto Claim
Tips on filing an auto claim after an accident.
Saving Money on Homeowners Ins.
Tips on how you can reduce the cost of your homeowners insurance.
Disability Insurance
Insuring against loss of income if you are disabled and unable to work.
Preventing Home Burglary
Steps you can take to reduce the chance of a home burglary.
Create a Family Disaster Kit
The essentials you will need in the event of a disaster.
Storing Emergency Food and Water
In a disaster you might not have access to food, water and electricity for days or even weeks.
Teenaged Drivers
New restrictions and laws that affect teen drivers.
Filing a Homeowners Claim
The basics of filing a homeowners insurance claim.
Insuring Your Home
How to insure your home and personal belongings.
Home and Building Fire Prevention
Tips on how to protect your family and home from fires.