Frequently Asked Questions

We understand insurance can be confusing and sometimes overwhelming. To help our clients, we have compiled some of the most Frequently Asked Questions that we hear on a daily basis. If you have a question that you do not see an answer to, please Contact Us today and we will be glad to assist you.

General Insurance FAQ

Why should I use an insurance agent?

We provide personalized service. You always have the options of dealing with the carriers directly. But you don’t have to deal with the hassle. You personal agent can answer all of your questions, explain the benefits, even help with billing and claims. No waiting on hold and speaking with just another Representative, or be transferred to every department who can’t help you! We provide all of these services free of charge!

Can I cancel my insurance at any time?

Yes. You can cancel your policy at any time. Your rates are usually locked in for a set time but your coverage ends the day you cancel. If you need to re-apply for coverage, the rates are subject to change.

Do you charge any Broker Fees?

No! We earn a fee for service from the carrier. Our services to you, are free of charge!

Can an insurance company cancel my policy?

Yes. If you provided inaccurate information or misrepresented yourself at the time of your application, an insurance company can rescind (cancel) your policy. All premiums would be refunded to the insured.

Home Insurance FAQ

What is Liability Coverage?

Liability helps protect you against lawsuits that are more commonplace these days. To help protect your hard earned assets, you maintain liability coverage with property insurance like auto and homeowners.

Am I covered for earthquake damage?

No. In California, Earthquake coverage is available as a separate policy. In most cases, the coverage should coincide with your home insurance coverage.

Is my personal property covered?

Yes. Homeowners insurance covers your personal property up to the specified limits of the policy. Coverage is worldwide for your belongings whether in your home, car or while traveling.

Can I pay my home insurance through escrow?

Yes. There are many options when it comes to home insurance payments. We can bill your escrow or mortgage company to pay in full or we can bill you directly if you prefer.

Auto Insurance FAQ

What does "full coverage" mean?

This term is often misunderstood. It DOES NOT mean “everything” is covered! It simply means you have coverage for both liability and damage to your property (comprehensive and collision). Please look to your Declarations page which lists your selected coverages.

Am I covered if I rent a car?

Car rental companies charge daily fees for rental insurance. However, it is possible that your current auto policy provides rental car coverage. Ask your agent to confirm.

Am I covered if my friend or relative is driving my car?

Yes. We provide “full permissive use” of the vehicle to anybody driving as long as they are not specifically named as an Excluded Driver on you policy.

What is the difference between Collision & Comprehensive Coverage?

Collision is defined as losses you incur when your car collides with another car or object. Comprehensive covers damages incurred by other than collision such as vandalism, flood, theft, fire and so much more.

Health Insurance FAQ

Do I really have to buy health insurance?

The Affordable Care Act otherwise known as ObamaCare mandates that most Americans, with a few exceptions, have health insurance that offers “minimum essential coverage”. Starting in 2014, those who do not have health insurance can incur a tax penalty which will increase every year. The penalty will show up as an additional tax or a reduction in your federal tax refund.

I can’t afford to buy health insurance. What should I do?

Depending on your household income, you may be eligible for low cost subsidized plans available per the insurance exchange.

I’m on Medicare, does ObamaCare affect me?

No! The Affordable Care Act does not change any benefits for Medicare beneficiaries.

Can I apply for health insurance anytime?

Not anymore. These days, we are limited to Open Enrollment dates once a year to enroll into an individual plan. In some cases, there are Special Enrollment dates for qualifying life events. Employer or group sponsored plans have their own enrollment dates and you should verify specifics through your Administrators.