Frequently Asked Questions
What types of insurance do you offer?
We provide coverage for auto, home, renters, business, farm, and specialty needs. We are captive Farmers Union Agents but have the ability to market several different companies to our customers.
Why should I use your agency instead of buying online?
We have the flexibility of an independent agency. We shop for you, explain the differences, and give you personal service that big call centers and websites can’t.
How do I know how much coverage I need?
Every situation is different. We’ll walk you through your assets, risks, and goals to build a personalized plan—so you’re not over- or under-insured.
Can you save me money on my insurance?
Often, yes! Because we work with many carriers, we can compare rates and discounts. But it’s not just about the lowest price—it’s about getting the right coverage so a claim doesn’t cost you more later.
Do you offer bundling discounts?
Yes. Most carriers provide savings when you bundle home and auto, or combine other policies like renters, life, or umbrella insurance. We’ll explore the options for you.
What should I do if I have a claim?
Call us first! We’ll help guide you through the claims process, answer your questions, and work with the insurance company to make sure everything goes smoothly.
How often should I review my insurance policies?
At least once a year—or anytime you have a big life change such as buying a home, buying/selling a car, or starting a business. We offer free annual reviews to keep your coverage up to date.
Can you help with insurance for my business?
We work with many types of businesses and take the time to understand each unique situation. While we can’t insure every risk, we carefully review each one to determine if we’re the right fit to meet your needs. Our goal is to provide thoughtful, reliable protection that helps you focus on running your business with confidence.
What factors affect my auto insurance rates?
Things like your driving history, vehicle type, location, credit (in some states), and coverage limits all play a role. We’ll explain your options and help you find ways to save.
How do I get started with a quote?
It’s simple—call us, stop by our office, or fill out our quick online form. We’ll gather some information, compare rates from our carriers, and get back to you with customized options.