Personal Insurance FAQs

Your home's replacement cost is the estimated amount needed to rebuild your home with similar materials and quality after a covered loss. It is not based on your home's market value or purchase price. Factors such as square footage, construction materials, features, labor costs, and current building costs are considered to help ensure your home is properly insured.

Automobile insurance helps protect you, your vehicle, and others on the road from financial losses resulting from accidents, theft, and other covered events.

Liability Coverage helps pay for injuries or property damage you cause to others.

Physical Damage Coverage (Comprehensive and Collision) helps repair or replace your vehicle if it is damaged in an accident, stolen, vandalized, or damaged by other covered events.

Uninsured and Underinsured Motorist Coverage helps protect you and your passengers if you're injured in an accident caused by a driver who has no insurance or doesn't have enough insurance to cover your damages. This important coverage helps provide financial protection when the at-fault driver's insurance falls short.

In many situations, your personal auto policy may provide coverage when you drive someone else's vehicle with permission. Coverage depends on the circumstances, the vehicle being driven, and the terms of your policy. It is important to understand how your coverage applies before an accident occurs.

Insurance companies offer a variety of discounts based on factors such as bundling home and auto policies, having protective devices, maintaining a good driving record, claim-free history, customer loyalty, and other risk-reducing factors. Your insurance advisor can help identify available credits and opportunities to maximize your savings.

Your personal auto policy may provide coverage when renting a vehicle for personal use, depending on your policy limits and circumstances. Before declining rental company coverage, it is important to understand how your existing insurance applies and whether additional protection may be needed.

Umbrella insurance provides an additional layer of liability protection above your home and auto policies. It helps protect your financial assets from significant claims involving bodily injury, property damage, and certain personal liability situations that exceed the limits of your underlying policies.

If you experience a loss, your first priority should be safety. Contact your insurance advisor as soon as possible so we can guide you through the claims process, help you understand your coverage, and connect you with the appropriate resources to ensure your claim is handled efficiently.