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A deductible is an amount that you're responsible for in the event of a loss (claim). This is the amount you pay out-of-pocket, and insurance covers the remainder.
Although this answer can be somewhat complex, oftentimes yes! If we can package your home and auto with the same company there is usually a discount. Even if they are with different companies, we can still get a discount in certain cases!
No. You do not need a new home appraisal during the renewal or coverage change process. However, it is very important that you are in regular communication with you agent to make sure you are covered properly!
The benefits of choosing an independent insurance agent over a captive agent are numerous. Independent agents provide unbiased advice which is not influenced by the insurance company they represent. They are also able to offer you multiple policies from different companies so you get to choose the best insurance that suits your needs. Furthermore, independent agents are available to create personalized policies to fit your individual needs. Independent agents provide more flexibility in their solutions. In addition, they offer competitive pricing and discounts to their customers, as they shop around for the best prices.
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