Is My Boat Protected While it’s Being Transported?
Policies vary so it is always important to talk to your agent to find out for sure what coverages you have for your boat and trailer while on the road.
Read MoreDo I Need Boat Insurance During the Off-Season?
If your boat is being stored on dry land during the off-season, you may be tempted to cancel your boat insurance policy. However, It’s important to keep in mind there are year-round risks for your boat, such as fire or...
Read MoreWill Condo Insurance Cover Hurricane Damage?
Condo insurance will cover damages to your possessions and the interior of your condo from major storms such as hurricanes, windstorms, and tornados. Keep in mind, damages to plumbing, fixtures or wiring may or may not be covered under the...
Read MoreWill my condo policy cover the structure of my condo, or just my belongings?
It depends. Usually, your condo association’s master policy would cover what’s outside your wall, the physical structure of the condo unit, and common areas. However, your personal condo policy would be responsible for everything in them. This includes the structures...
Read MoreWhat is a Deductible?
A deductible on your insurance policy is what you pay out of pocket before the insurance kicks in. This is to prevent extremely small claims from being filed as insurance is for larger emergencies. For example, if your auto deductible...
Read MoreHow do I file a claim?
If you need to file a claim, make sure to call us first! Our team will help you determine if a claim should be filed and connect you with the insurance carrier to start the claims process. We will even...
Read MoreCan I get a damage estimate before filing a claim?
Yes, we recommend obtaining an estimate before filing a claim. Once you have your estimate, give us a call to discuss your options. We’ll also look at your policy with you to see if your estimate is above your deductible.
Read MoreCan I buy more than one life insurance policy?
Yes! Most people we work with have a large term policy with a small permanent policy to accomplish different goals. For more information, call 757-448-3820 or book a consultation today.
Read MoreShould I buy life insurance that requires no medical questions?
No medical questions mean that carriers want to offer you little to no coverage. They will generally offer you up to $25k in coverage once the policy has been in force for two years. Our agents have the experience to...
Read MoreHow much life insurance do I want?
Everyone is different. Life insurance coverage ranges from final expenses to income replacement. Let us guide you through a coverage determination process. For more information, call 757-448-3820 or book a consultation today.
Read MoreShould I Buy Additional Life Insurance on Top of the Coverage Provided by My Employer?
Yes! Your employer’s coverage is typically 1x-2x your base income. Very rarely is this enough to take care of a mortgage, final expenses, and one year of income replacement. It’s important to have a coverage layer on top of your...
Read MoreHow can I save money when buying life insurance?
There are a few ways you can save money when buying life insurance. A general rule of thumb is to purchase young to lock in the lowest rates, so you don’t end up paying hefty premiums in the future. Speak...
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If my home was damaged, can I start repairs?
If a natural disaster has caused significant damage to your home,...
Read MoreWhat if my home is burglarized?
Your first step is to ensure that you and your family are safe, and then, call the police. When the police arrive, they will complete a report with all the important info regarding your situation. This report is necessary when...
Read MoreCan I get a damage estimate before filing a claim?
Yes, we recommend obtaining an estimate before filing a claim. Once you have your estimate, give us a call to discuss your options. We’ll also look at your policy with you to see if your estimate is above your deductible. Visit...
Read MoreHow long will my car insurance claim take?
Every claim is unique, and many factors determine how long it will take. Giving your claims advocate all the necessary details and documentation will help keep your claim process moving smoothly.
Read MoreWill I have to pay my deductible if I’m not at fault?
Maybe. For certain coverage types, you’ll pay a deductible even if you aren’t at fault. But, if there’s a chance your insurance could recover the amount paid, including your deductible from the person responsible, they will. If they aren’t successful,...
Read MoreWhat is a Deductible?
A deductible on your insurance policy is what you pay before the insurance kicks in. This is to prevent extremely small claims from being filed as insurance is for larger emergencies. For example, if your home deductible is $1,000 and...
Read More
