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Frequently Asked Questions 
 

Q: Can I change carriers mid-term before my policy expires?
A: The decision to change your policy is yours.  If the policy has been paid through the end of the term, your existing carrier is obligated to refund any unused premium.  We will discuss any individual concerns but overall, the decision of which company you chose is up to you.
Q: When to file a claim?
A: If another party is involved, specifically if your actions have caused the loss, you are encouraged to file a claim.  This will help reduce the exposure which could arise from a claimant deciding to file suit against you after the situation is considered resolved.  If the loss is not filed promptly then it is possible that coverage would be excluded.  In terms of property loss, if the damage is water related it also may be in your best interest to file a claim.  These losses present a greater challenge in determining if the repair is complete. 
It is important to consider the long term implications of filing a claim.  Insurance policies are often considered to be best suited for the catastophic situations and are not intended to be replace the expense of home or auto maintenance and repair costs.  If the insured would like to afford themselves the most competitive prices, the recommendation is that a claim is only filed when the loss is otherwise impossible to pay for without the assistance of your insurance policy. 
If there are questions, contact your agent prior to filing a claim.
Q: How much liability coverage do I need?
A: Liability coverage provides funds to payout when you, as the insured, are found at fault or negligent.  There is no magic formula for to determine this limit.  This is a matter of peace of mind and with the state of our legal system, it is rare to say that anyone has enough.  A good place to start is at 100/300/100 on the auto policy and 500,000 for your personal liability (homeowner's, renters or condo policy) and review this limit annually.  To increase liability beyond the underlying limits available on your auto and personal liability policies, an umbrella policy can be purchased.  Umbrella policies are sold in $1,000,000 increments and respond when either the auto or personal liability limits are exhausted.