Frequently Asked Questions

We recommend a minimum of 100/300/100 for liability limits to better protect against serious situations.  With the high cost of medical treatment and auto repair, state minimum limits are not sufficient protection.

The insurance industry uses average materials and labor cost in your area to determine how much it would cost to reconstruct your home from the ground up.

We offer a range of business insurance options including liability insurance, property insurance, and workers' compensation insurance.

The amount of coverage you need will depend on your specific business needs. Our agents can help you determine the appropriate amount of coverage.

Yes, we offer insurance options specifically designed for home-based businesses.

Life insurance rates and eligibility are based on your age and health.  For most people, getting life insurance at an early age results in very affordable premiums.  We do not purchase life insurance for our own use.  We buy life insurance to help take care of the ones we love after we are gone.