Frequently Asked Questions

If you have a question that isn’t answered here please give us a call at 386-627-8330 or send a message online and we’ll get back to you as quickly as possible.

General Questions

Do you compare multiple insurance companies?

Yes. As an independent agency, we shop multiple carriers to find you the best coverage and price.

How fast can I get a quote?

Most quotes take just a few minutes. Some business policies may take a bit longer depending on complexity.

Does switching insurance take a lot of work?

No — we make the process simple and handle most of it for you.

Coverage Questions

What’s the difference between liability and full coverage?

Liability covers damage or injuries you cause to others. Full coverage typically includes liability plus protection for your own vehicle or property.

Do I really need more than the minimum coverage?

In many cases, yes. Minimum coverage may not fully protect you in a serious accident or claim.

What does umbrella insurance do?

It adds extra liability protection above your home and auto policies.

Claims & Pricing

Will filing a claim raise my rates?

It depends on the type of claim and your history. We can help you understand how it may impact you.

How can I lower my insurance costs?

Bundling policies, increasing deductibles, and qualifying for discounts can all help reduce your premium.

Business Insurance Questions

What insurance does my business need?

It depends on your operations, but most businesses need general liability at a minimum.

How fast can I get a certificate of insurance (COI)?

In most cases, we can provide COIs very quickly — often the same day.