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Most policies cover the structure of your home, your personal belongings, liability if someone is injured on your property, and additional living expenses if you’re temporarily displaced. Specific exclusions (like flood or earthquake) vary by policy.
Yes. Your landlord’s policy covers the building itself, not your personal belongings or your liability, so renters insurance fills that gap.
Liability-only pays for damage or injury you cause to others. Full coverage adds collision and comprehensive, which also pay for damage to your own vehicle.
General liability alone covers third-party injury and property damage claims. A Business Owners Policy (BOP) bundles general liability with commercial property coverage, usually at a lower combined cost.
Requirements vary by state — many states require workers’ comp starting with your very first employee. We can confirm the requirement for your state.
E&O covers claims of negligence, errors, or inadequate work in the services you provide. General liability covers bodily injury and property damage, not the quality of your professional advice or work.
They’re related, but not always the same. Bobtail coverage usually applies when you drive the tractor without a trailer. Non-trucking liability applies when you use the truck for personal reasons and aren’t under dispatch, with or without a trailer. Your lease agreement usually says which one you need.
If you’re not covered by a motor carrier’s workers’ compensation policy, occupational accident insurance is a common alternative that covers injury-related medical costs and lost income.
It covers the freight you’re hauling against loss or damage while in transit, separate from your liability or physical damage coverage on the truck itself.
Premiums are based on factors like age, location, plan type, and household size (for ACA marketplace plans). Medicare premiums depend on the specific parts and plans you choose.
Medicare Advantage (Part C) is a way to get your Part A and Part B benefits through a private plan instead of Original Medicare. You’re still in Medicare, and these plans often include extra benefits. Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs. You generally can’t have both at the same time.
Your Initial Enrollment Period is the 7-month window around your 65th birthday. Outside that, the Annual Enrollment Period (October 15 – December 7) allows changes for the following year.
Term life covers you for a set period (like 20 years) and has no cash value. Whole life covers you for life and builds cash value you can borrow against or withdraw.
It depends on your income, debts, dependents, and future obligations like a mortgage or college costs. We can help you work out a number based on your actual income, debts and goals.
It’s a smaller whole life policy designed specifically to cover funeral and end-of-life costs so loved ones aren’t left with that expense.
Contact your carrier’s claims line directly for the fastest start, and loop us in so we can help you understand the process and advocate on your behalf. See our File a Claim page for carrier-specific contacts.
Your premium is what you pay to keep the policy active, typically monthly or annually. Your deductible is what you pay out of pocket before your coverage starts paying on a claim.
It depends on the type of claim, your carrier, and your claims history. Not all claims result in a rate increase — your agent can walk you through what to expect for your specific situation.
It depends on the carrier and how complex the claim is. We can help you check on the status if things seem to be moving slowly.
An independent agent can compare options across multiple carriers to find the best fit for your situation, rather than only offering one company’s products.
No, quotes are free and come with no obligation to purchase.
Often, once we have the information we need, though timing depends on the policy type and the carrier.
Still unsure? Start with one question. A licensed agent can explain how the answer applies to your situation without pressure.