Frequently Asked Questions

Personal Insurance can be confusing and overwhelming, which is why we’re here to help guide you through the process. Here are some questions that we get asked regularly. Please don’t hesitate to call our helpful and friendly personal lines team for more questions: 407.905.5080

Homeowners

You must check your policy because this type of coverage can be excluded or include a limited amount of coverage.
Some pets will null and void your coverage. You don’t want to pay for a policy that will deny your claim due to your pet.
 

  1. Is my home covered for full replacement cost?

  2. How much is the deductible on my policy?

  3. How much coverage do I have on the contents of my home?

  4. Does my policy include flood coverage?

  5. Does my policy insure against water damage from sewer backups, sump overflows or water pressure from below the ground surface?

 

If you have jewelry, fine art or even antiques, you should get these items apraised. You may be surprised at their value.
Always make sure you let your agency know this is not your primary home, some insurance carrier require alarms on the home.
Always make sure you let your agency know this is not your primary home, some insurance carrier require alarms on the home.
Several factors are taken into consideration to decide rates but here are a couple of things you can control; age of the home, construction type and where the home is located.

Auto

Several things are taken into consideration to decide rates but here are a couple of things you can control; driving history, age of the vehicle and were you lives.
Yes, when you are married you should be on the same policy, you can receive a discount.

General

  1. Are utilities included?
  2. When is rent due and how do I pay it?
  3. Is the security deposit refundable?
  4. Is there 24/7 maintenance if I have an emergency?
  5. How much notice will you give before entering my apartment?
  6. What will you do to prepare the apartment before I move in?