Question: Why should I buy home insurance?
To protect both your house and personal property. Protection against liability for accidents that injure other people or damage their property.

Question: Home much home insurance do I need?
Insurers require you to insure your home to replacement cost value.

Question: Where can I obtain more information about homeowners insurance?
Just call and ask for one of our agents to help you.

Question: What affects Homeowner prices?
Type of Construction: Frame houses usually cost more to insure than brick.
Age of House: New homes may qualify for discounts. Some insurance companies offer limited coverage or may not insure older homes.
Local Fire Protection: The number of fire hydrants and fire departments and the availability of water are just some factors which determine your area's fire protection class. If you reside in an area without fire protection, you will pay more for insurance.

Question: How much property insurance does my business need?
Property insurance can be purchased on the basis of the property's actual cash value (the actual cost of the old item minus depreciation); or its replacement cost value (the cost of replacing the old item with new). Your  agent can help you determine the amount and type of coverage that's right for your business.

Question: What is business income insurance?
Answer: Business income insurance may reimburse you for continuing expenses such as utility bills, as well as net income you would have earned if a covered cause of loss had not occurred. Some insurance policies may also cover losses due to down time or extra expenses needed to restore operations (such as additional property rental). Be sure to check whether your business insurance policy provides this valuable coverage, and if so, whether it would pay for any extra expenses you might incur to get back up and running.