Homeowners Policy - FAQ
What does homeowners insurance typically cover?
Home insurance generally covers your dwelling, personal property, liability, and additional living expenses if your home becomes uninhabitable due to a covered loss.
Is flood or earthquake damage covered?
No. Flood and earthquake coverage typically require separate policies.
How much coverage do I need?
You should carry enough coverage to fully rebuild your home at current construction costs — not just market value.
Does home insurance cover my belongings?
Yes, personal property is covered, but high-value items (jewelry, firearms, collectibles) may require additional endorsements.
Auto Policy - FAQ
What’s the difference between liability and full coverage?
Liability covers damage or injuries you cause to others. “Full coverage” usually refers to liability plus comprehensive and collision coverage for your own vehicle.
Is uninsured motorist coverage important?
Yes. It protects you if you’re hit by someone who has little or no insurance.
Will my rates increase after an accident?
It depends on fault, claim history, and carrier guidelines.
Are rental cars covered?
Often yes, but coverage limits vary. Rental reimbursement is optional coverage.
Farm & Ranch Policy - FAQ
How is farm insurance different from homeowners insurance?
Farm policies combine personal and commercial coverage to protect your home, equipment, livestock, and operations.
Are tractors and equipment covered?
Yes, but they must be properly scheduled on the policy.
Is livestock covered?
Coverage can be added for livestock depending on the policy.
If you're in the beef cattle business, ask us about our Livestock Risk Protection (LRP) policies!
Does farm insurance cover agritourism or direct sales?
Not automatically — additional endorsements may be required.
Umbrella Policy - FAQ
What is umbrella insurance?
Umbrella insurance provides additional liability coverage above your home and auto policy limits.
Who needs umbrella coverage?
Anyone with assets to protect, rental properties, teen drivers, or higher liability exposure.
Is umbrella insurance expensive?
Surprisingly, it’s typically very affordable for the amount of added protection it provides.
Commercial Policy - FAQ
What types of coverage do businesses need?
Most businesses need general liability, property insurance, and possibly workers’ compensation. Coverage varies by industry.
What is general liability insurance?
It protects against claims of bodily injury, property damage, and certain legal expenses.
Do I need coverage if I work from home?
Yes. Homeowners insurance usually does not cover business-related claims.
Is business auto covered under personal auto insurance?
No. Business-use vehicles typically require a commercial auto policy.
Life Policy - FAQ
What’s the difference between term and whole life insurance?
Term life covers you for a set period of time. Whole life provides lifelong coverage and builds cash value.
How much life insurance do I need?
A common rule is 10–15 times your income, but it depends on debts, dependents, and long-term goals.
Is life insurance expensive?
Term life is often very affordable, especially when purchased young and healthy.
Can I get coverage with health conditions?
In many cases, yes. Options vary depending on health history.