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personal insurance, home / auto quote
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We offer fast, comprehensive home, earthquake, auto and umbrella insurance quotes in most states with broad protection and affordable premiums. Let our professionals help you make the right choices about these, and other important forms of personal insurance protection for you and your family.
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- Representing a wide array of "A" rated home and auto insurance carriers
including Travelers, Safeco, Allied, Fireman's Fund, CIG, AIG, Mercury
Progressive, and others
- Personalized, hands-on service from experienced, knowledgeable and licensed insurance professionals to help you select the appropriate coverage to best meet your needs and budget
- Best prices available — get a free quote with all of our carriers to compare your home and auto insurance plans
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Frequently Asked Questions
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I work from home. Does my homeowner's insurance cover my computer and other equipment?
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If you work out of your own home, you may need to purchase additional homeowner's insurance for business equipment. Your home office equipment is usually not covered by your homeowner's policy. You can usually get additional coverage for a small business by buying an endorsement. For larger businesses, you will have to purchase a separate policy.
If you have questions about whether the business-related equipment you have at your home is covered by your insurance, please contact us for a complete, no-cost coverage evaluation.
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Do I need special coverage for jewelry or collectibles?
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A typical homeowner's insurance policy offers little, if any, coverage for jewelry or collectibles. To get coverage, you usually have to specifically request it and pay an extra premium. Before you insure collectibles, consider getting a written appraisal of each item first. It will help you get the proper amount of coverage and will reduce the chance that the insurer will contest your estimates if you have to file a claim.
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What factors affect my auto insurance rates?
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If your current rates seem particularly high (or low), you might want to know why. Indeed, if your rates (or quotes) are high, altering your lifestyle or vehicle choice can have a big effect on the rates you pay.
While criteria may vary slightly from carrier to carrier, the major determining factors fall into four basic areas:
- You. Your age, gender, marital status, driving record and record of prior claims play a major role in determining your risk level and therefore the premium you will pay. Traditionally, males under 25 years of age represent the highest risk, while married, middle-aged, non-smoking mothers represent the lowest.
- Where you live. Living in an urban area typically triggers higher rates due to increased incidence of theft and accident claims — both of which are statistically higher in and around cities.
- Your vehicle. The type of vehicle you drive greatly affects the rates you pay. Vehicles that have a high frequency of claims (sports cars) or are expensive to repair (luxury cars, SUVs) are prone to higher premiums. However, larger vehicles tend to be safer in collisions, which sometimes offset costs.
- How you use your vehicle. Statistically, the more miles you drive, the greater chance you have of being involved in a crash. High annual mileage will result in higher premiums.
Another way to reduce your premium is to increase the amount you self-insure by increasing the deductible amounts on the property damage coverage for your own vehicle. These deductible amounts on your comprehensive and collision coverages may be limited if you have the vehicle leased or financed, so check your financing contract before raising your deductibles too high.
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Will I save money by purchasing my insurance on-line rather than using an independent agent?
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No. Auto Insurance and Homeowners Insurance rates are filed by the insurance carriers we represent with the respective Departments of Insurance in each State. Whether you buy from us or online, you will pay the same premium for the same policy. There is no additional cost for our services. Please call us for free, professional and impartial advice regarding your personal insurance needs. There is absolutely no obligation to purchase from us and our services are completely free of charge.
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