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Does the type or color of car I buy affect my insurance premium?

A: The color of the car you purchase will not have an effect on premium; however the type (year, make and model) certainly will. There are several factors that determine an individual’s insurance rate. For example, the more expensive a vehicle is to repair the more...

What is umbrella insurance and why should I buy it?

A: An Umbrella policy is one that sits over one or more underlying policies and provides another layer of protection for you. If the limits available on your underlying policies aren’t high enough to protect you and your assets in the event of an accident with your...

Ever wonder what those coverage limits mean?

You see 20/40, 50/100, 100/300, 250/500 on your auto insurance policy, but what does it mean? It’s actually VERY important information for you to know. We asked our friends @Kimballcookeinsurance to explain.  When it comes to limits in parts 3, 5 and 12 of the...

What isn't covered as part of my homeowner's policy?

A: Standard exclusions on most homeowner policies include but are not limited to: Ordinance or law, earth movement, floods, off premises power failure, neglect or general wear and tear, war, nuclear hazard, and intentional loss. Some of these coverages (not all), can...

Is my jewelry covered if it's inside my house that I've insured?

A: Personal property, including jewelry, is covered anywhere in the world including inside your home BUT it is important to note that standard Homeowners policies often will NOT cover jewelry or watches that are simply lost or misplaced because “mysterious...