In the event of an accident in which your car has been totaled, GAP insurance covers the difference between what a vehicle is currently worth and the amount you actually owe on it. Yes, we can offer this.

This is something that is not offered by all carriers and should be verified with your agent.

The process may vary but typically takes two business days or less to receive a quote.

If you’re still making payments on your vehicle, the lender will require full coverage. In addition, if the vehicle’s value is more than you’re willing to risk in case of a loss we would recommend having full coverage.

3-5 years, depending on the carrier.

Liability is there to protect your assets and your future lifestyle. Not having enough liability when an accident occurs would leave your assets and future wages at risk. We suggest evaluating your situation with our agent to insure you are covered correctly.

When filing a claim, you’ll be asked basic questions like where and when the incident happened, contact information of everyone involved, and a description of what happened. The insurer will review your claim to determine if the event or circumstances are risks covered by the policy.

You have the right to change your home insurance whenever you prefer.

Factors than can impact your insurance rates include age, credit rating, driving history, past claims history and location.

Your current insurance will transfer to a rental vehicle to help protect you from out-of-pocket exposure.

Protecting your valuables in case of a loss is always recommended regardless if you rent or own. You should base the amount of coverage in accordance with an estimated value of your belongings.

An umbrella policy will cover both property and auto exposures/claims for your household. The higher limit goes above and beyond your underlying coverages on your policies. The main purpose is to protect your assets from an unforeseen event such as a tragic accident in which you are held responsible for damages or bodily injuries.