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Find answers to our Frequently Asked Questions.
Posted September 1, 2021

Most of us aren’t experts in insurance policies or deductibles, so when it comes to our own policies, we need all the advice we can get. Good news is your insurance agent is here to help – when was the last time you asked what discounts you qualify for or if your coverage is up to date?

Whether you’re checking in with your agent or thinking of switching insurance companies, keep these questions in mind so that you can get the best protection available and maintain the coverage you need to handle life’s surprises.

What’s My Deductible?

A deductible is the amount of money you have to pay before insurance covers the rest, so it’s important to make sure your deductible is at the right coverage amount. Unexpected home repairs or auto accidents are not something one foresees, but still needs to plan for.

Talk to your agent about which deductible is right for you, or if you need to change your current deductible to help you save money in the long run.

What Does My Policy Cover?

It’s important to understand what coverage you have as each policy covers something different. Ask questions about your coverage limits to see where you need more protection or less.

Does your homeowner’s insurance policy cover natural disasters? Flooding? If something is stolen from your home, is it reimbursed fully or partly? These questions can help save you stress when a situation arises that requires you to have this type of coverage. Speak with your agent to see if your coverage is adequate or needs adjustment – that’s what they’re there for.

When Is It Time To Change Or Update Coverage? 

Life is unpredictable and certain life events are big enough to change your insurance rates, or require an update in your policy. While it’s recommended to increase your life insurance when having a child, there are other things like getting a dog, moving, and getting married that may outdate your coverage. Make sure to stay on top of any changes that you experience in your household to update your policy and coverage accordingly.

What Kind Of Discounts Am I Eligible For?

There are many discounts offered once you start looking and asking for them. Bundling policies, being a good student, and paying the premium early are all eligible discounts various agencies offer.

In addition to those, there are a few that are less known like homeownership, having a short commute, and customer loyalty that you may qualify for. Check with your agent to see which ones you’re eligible for to save you money.


Staying up to date on your insurance policies is just one way to be protected and secure for your future. Remember your insurance agent is there to help so take advantage of it for a peace of mind.