Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

? If I'm driving someone else's car and get into an accident, what insurance do I provide?

Since you are driving a friends car and not yours, you would use their car insurance. If there are costs left over after their insurance pays, you can then use your insurance.

? Does a red car really make my insurance more expensive?

No. This is a long standing myth among drivers. The color of your car is not a factor in determining your insurance rates.

? Is my home covered no matter how it is damaged?

Flood damage is NOT covered under a standard homeowners policy. some other natural disasters may not be either. Our agents will make sure to review the coverage options in your policy.

? If someone gets hurt at my house, am I covered?

Yes, the amount of coverage is shown in the liability coverage section of your policy. It is important to have enough coverage to cover a lawsuit in the event someone may sue after an injury at your home.