Home Insurance

What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?

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Auto Insurance

In most states, you’re required by law to carry car insurance. It's easy to think all car insurance is created equal. And if all insurance is alike, what difference does it make where you get your coverage?

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Life Insurance

We know you can’t put a dollar amount on your family, but you can ensure their future is protected. And though costs are a real concern for most people considering life insurance, it never costs as much as you think.

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Referral Program

Referral Program

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Frequently Asked Questions

One Reason home insurance rates are increasing is because the cost of repairs and replacements are going up. Many homes are now costing more to rebuild or fix, so insurers have to raise their rates to make up for the increased costs. Other factors include the high cost of roof replacement, frequency, and severity of the storms from the prior year.

Auto rates are increasing because the cost of repairing cars has gone up. Cars are becoming more complex and expensive to fix, so insurance companies have to raise their rates to account for the higher costs. As well as the increased frequency and severity of accidents due to more drivers on the road. Other factors include the frequency and severity of auto accidents, increase in lawsuits being filed and the rising cost of attorney fees

The safe driving discount is a discount that you can get on your car insurance premium if you use a telematic app on your phone to track your driving. The app records how you drive, such as how often you hard brake, drive after midnight or speed, and sends this data to your insurance company. This data can be used to qualify you for additional discounts for safe driving. They can be up to 30%. This is used by most companies and is helping to decrease the large rate increases. Those that drive well will be rewarded.

Replacement cost coverage pays the full replacement cost of your roof whereas a roof schedule pays a set amount based on the age and condition of your roof. The main difference is that with a replacement cost policy, you will be reimbursed for the entire cost of putting a new roof on your home. With a schedule policy, you receive a portion of the total amount needed to replace your roof. Check your policy for clarification to see how long your policy offers full replacement cost and when it may change to a roof schedule.

Bundling insurance policies with the same company can often lead to significant discounts. In addition, it can be more convenient to have a single company to contact for all of your insurance needs. Some companies offer a single deductible in the event a claim causes damage to multiple policies. However, it is important to compare rates and coverage options before deciding on a single company.

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