FAQ’s

General Insurance Frequently Asked Questions
I have an older car whose current market value is very low – do I really need to purchase auto-car insurance? Read Answer

Suppose I lend my car to a friend, is he/she covered under my auto-car insurance policy? Read Answer

What are some practical things I can do to lower my auto-car insurance rates? Read Answer

What are the advantages to using an agent to purchase insurance? Read Answer

What factors can affect the cost of my auto-car insurance? Read Answer

What is the difference between collision physical damage insurance coverage and comprehensive physical damage insurance coverage? Read Answer

What kinds of questions should I be expected to answer when I am applying for an insurance policy? Why do insurers need so much information? Read Answer

What should I consider when purchasing auto-car insurance? Read Answer

Homeowner Insurance FAQs
Do I need earthquake insurance coverage? How can I get it? Read Answer

What are some practical things I can do to lower the cost of my homeowners insurance? Read Answer

What are the policy limits (i.e., coverage limits) in the standard homeowners insurance policy? Read Answer

What factors should I consider when purchasing homeowners insurance? Read Answer

What is homeowners insurance and who should buy this type of coverage? Read Answer

What is the difference between “actual cash value” and “replacement cost”? Read Answer

Where and when is my personal property covered? Read Answer

Life Insurance FAQs
Can an existing life insurance policy be used to provide for the repayment of an outstanding mortgage loan? Read Answer

How does mortgage protection term insurance differ from other types of term life insurance? Read Answer

How much life insurance should an individual own? Read Answer

Should term insurance or cash value life insurance be purchased? Read Answer

What about purchasing life insurance on a spouse and on children? Read Answer

Renters Insurance FAQs
How does a renters insurance policy protect my personal property? Read Answer

What if I share my apartment with a roommate? Do we both need to have renters insurance? Read Answer

Why do some apartment complexes require tenants to have renters insurance? Read Answer

Why would I want to buy renters insurance? Read Answer

Umbrella Insurance FAQs
How do I know if I need a personal umbrella liability insurance policy? Read Answer

What is a personal umbrella liability insurance policy? Read Answer