Yes. Over 90% of insurance carriers consider your credit when calculating insurance premiums. They can consider payment history, including delinquencies or late payments.  They also consider length of credit history and types of credit, such as credit cards and loans. 

It depends. Many companies extend your current auto coverage to your rental car, but some do not. Contact us to verify your rental car coverage.

It depends. If you select rental car coverage when signing up for your auto insurance and your car is non-usable due to an accident, whether you’re at fault or not, the company will pay for the rental car with limits. Contact us for options. 

No. Your homeowner's insurance does not cover your boat.  You need to carry coverage on your boat that includes comprehensive physical damage coverage.

It depends. Most home policies cover you for hail damage.  It is understandable that we would want a new roof and siding if there is damage after a storm.  Insurance companies settle claims for actual damage to the home.  Hypothetically, if 25% of your roof is damaged you will be compensated for 25% damage.  This may or may not exceed your deductible.  Insurance companies will replace an entire roof if the majority of the roof is damaged.  The same holds true for siding damage, the insurance company will compensate for actual damage sustained.

Insurance companies use sophisticated software that calculate the replacement cost to rebuild your home. The price that someone is willing to pay for your home is a very different number. Sometimes the replacement cost is higher than the market value and vice versa.

The best way to handle this is to contact us and we will take care of this for you. We will discuss the auto and home coverages with you to create the quotes with multiple carriers.  We can finalize the policies and get them started for you.

It depends. Many home policies have a small amount of jewelry coverage that will cover you for theft only.  You need to schedule your jewelry with your insurance company if you want to be covered for the appraised value and additional perils. contact us for coverage options.

There are many companies that write business insurance, but they do not always cover every business.  The easiest way to handle this is to contact us so we can walk you through the process. We have many to choose from and look forward to talking with you.

General Liability protects the business against bodily injury and property damage claims. For example, a customer enters the office, sits in a chair, and the chair collapses causing bodily injury.