Frequently Asked Questions

Several factors influence the cost of your home and auto insurance premiums. For auto insurance, key factors include your driving record, the type of vehicle you own, your location, how much you drive, and the level of coverage you choose. For home insurance, factors such as the age and condition of your home, its location, the cost to rebuild, and safety features like alarms or sprinkler systems play a role. In both cases, factors like your claims history and credit score can also impact your premium rates. Each insurance company weighs these factors differently, so it’s important to compare quotes to find the best fit for your needs.

Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy. Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.

If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.

P&C insurance includes a variety of policies such as auto, homeowners, renters, business liability, workers' compensation, and general liability insurance.

Property insurance covers damage or loss to physical items, such as your home or car, while casualty insurance provides liability coverage for legal responsibility if you cause harm or damage to others.

Yes, we offer a discount when you bundle your home and auto insurance policies. This can result in significant savings on your premiums or better overall coverage.

Renters insurance covers your personal belongings and provides liability protection if someone is injured in your rental property, but it does not cover the structure of the building itself—this is the landlord's responsibility. Homeowners insurance, on the other hand, covers both your personal belongings and the structure of the home, along with liability protection. In short, renters insurance is designed for tenants, while homeowners insurance is for property owners.