Insuring a Bright Future

A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder of a covered claim.

When speaking with your agent to set up your policy, any valuables you are concerned about and our agent can review your policy and recommend changes to ensure your valuables have proper coverage.

No. You do not need a new home appraisal during the renewal or coverage change process. We may adjust your home's coverage for the dwelling based on current market conditions, which may result in a higher premium.

While having no claims and a great driving record is excellent, most insurance carriers use an insurance score which includes your credit history, your demographic location, drivers in your household, age of drivers and their driving history, and the type of vehicle you have. This can have a major impact in the rate if your credit score is lower, or if other factors are at stake.