Frequently Asked Insurance Questions

These are common insurance questions that we receive.  

Please select the question that you would like answered and you will be linked to a detailed answer.  If you have an insurance question that is not on this page, please contact us!  If you have a question, chances are someone else is wondering the same thing!

General

Will my insurance go up if I file a claim?

Auto

Why you need auto insurance?

How much coverage do I need and what does my policy cover?

Tips for saving money on your auto insurance policy.

Why does my car insurance increase when I have no tickets, no accidents, and my car is getting older each year?

Are custom parts and equipment, such as a lift kit or custom wheels and tires, covered on my auto policy?

If I rent a U-Haul is it covered under my auto policy?

Will a DUI affect my insurance?

Am I covered if I hit an animal?

What happens if my car is totaled and I owe more than it is worth?

What if my car is totaled and I don’t have a replacement yet?

Home

If I have homeowners insurance, what am I covered for?

What is replacement cost vs. actual cash value

Why is the coverage for my house higher than the market value?

How to I save money on my homeowners insurance?

What does my policy cover?

Why are manufactured homes so expensive to insure?

Does home insurance cover septic problems?

Are certain dog breeds restricted?

If a neighbors tree falls on my house, who is responsible?

ATV, Motorcycle, Boat

Do I really need insurance for an ATV, motorcycle, or boat?

Does a motorcycle policy cover other riders?