Below are a few of the frequently asked questions we receive from both existing clients, and general telephone enquiries. Please do not hesitate to contact us with regard to any other questions or concerns you may have.

Q) How can I make sure that the quoted premium is as accurate as possible? I have been finding that the quoted price, and the actual price sometimes varies.

A) Honestly is the best policy, not only in life but especially where insurance is concerned! The more you disclose, the more accurate the price will be. Disclose everything with regard to claims in the last 6 years, or if it is an auto quote also any tickets within the last 3 years.

Q) What is the price for homeowners insurance based on?

A) There are many types of coverage available. Condominium and Tenants coverage is provided to cover the contents of your unit. If the policy is a homeowners package then the coverage is based on the price to rebuild the home or structure, not the value of the land.

Q) What payment options do I have with your company?

A) One Pay – full payment due on the policy effective date for the term of coverage.

A) Three Pay – Three equal installments due at the time of invoice. One payment due every 2 months, for the first 6 months of the annual term. This service carries a $15 charge annually.

A) No, residential policies are not designed to cover any commercial operations in the home. Additional coverage can be purchased for some businesses or a separate commercial policy may be required to provide the adequate coverage.

A) Your insurance policy will be reviewed after every incident. If you are deemed to be responsible then a higher rate will be charged on renewal. Or, depending on the circumstance, the policy may not be renewed by your insurance carrier. If that is the case then you will need to purchase your coverage from another company.