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 via the web, or come and visit us at a location near you.

1.	Are natural disasters such as flood, earthquake and hurricanes covered under my homeowners policy?
2.	Is my boat insured if I have an auto or homeowners policy?
3.	How can I reduce my automobile premium?

	Are natural disasters such as flood, earthquake and hurricanes covered under my homeowners policy? Many natural disasters, such as hurricanes or tornadoes are covered under a homeowner policy. Earthquakes and floods are not. A separate flood policy can be purchased and earthquake coverage can be endorsed on to most homeowner policies. Back to Top
	Is my boat insured if I have an auto or homeowners policy? If you have a homeowner's policy your boat may be covered but there are limitations. Automobile policies do not extend to boats. Boat coverage can be endorsed on to the homeowners policy or a separate policy may be needed. Back to Top
	How can I reduce my automobile premium? Make sure all your automobiles are insured on one policy, keep the driving record clean and your credit score high. Increasing comprehensive and collision deductible will help reduce premiums along with insuring your home with the same company as your automobiles. Back to Top