FAQs
General / Service FAQs
1.) What documents do I need for an auto quote?
Driver’s license, vehicle registration, prior insurance declarations page.
2.) Do policies renew automatically?
No, renewals require confirmation. We’ll contact you before your policy expires.
3.) How do I make a payment on my policy?
Payments can be made online, by phone, or in-office, depending on the carrier.
4.) What should I do if I have a claim?
Call us immediately, and we’ll guide you through contacting the carrier and documenting damages.
5.) Can I cancel my policy at any time?
Yes, but cancellation rules vary by carrier; always confirm first to avoid penalties.
Auto Insurance FAQs
1.) Does my auto insurance cover rental cars?
In most cases, yes, but it depends on your coverage. Always confirm before renting.
2.) What discounts are available?
Safe driver, multi-policy, good student, homeowners, and others.
3.) If I add a driver, will my rate go up?
It depends on the driver’s age, record, and driving experience.
Home Insurance FAQs
1.) Why do I need photos of my home’s exterior?
Carriers require them for underwriting, inspections, and claims.
2.) Does home insurance cover floods?
No, flood insurance must be purchased separately.
3.) What is the difference between Actual Cash Value (ACV) and Replacement Cost?
ACV considers depreciation; Replacement Cost covers rebuilding at today’s prices.
Life Insurance FAQs
1.) Do I need a medical exam to get life insurance?
Some policies require it, others don’t (simplified issue).
2.) What’s the difference between Term and Whole Life?
Term covers a set period; Whole Life provides lifelong coverage with cash value.
3.) Can I change my beneficiaries later?
Yes, you can update them anytime.
Commercial Insurance FAQs
1.) Do subcontractors need their own insurance?
Yes, and you should request a certificate of insurance from them.
2.) What’s a certificate of insurance (COI)?
Proof that your business carries coverage; often required for contracts.
3.) Do I need Workers’ Comp if I have only one employee?
Laws vary by state, but in Nebraska most employers must provide coverage.