frequently asked questions
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General Insurance Questions
We offer a range of personal and commercial insurance products, including auto, homeowners, renters, commercial trucking, business liability, and umbrella coverage.
Insurance protects you from unexpected financial losses — whether it's an accident, property damage, or liability lawsuit. The right coverage can save you from major out-of-pocket costs.
Our licensed agents work with you to assess your risk and provide recommendations based on your lifestyle, business operations, and assets.
Yes! We offer bundling options for home and auto, or multiple commercial policies, which can help lower your total premium.
While we're based in Pennsylvania, we are licensed in multiple states and can help individuals and businesses in various regions. Contact us to check your state.
Personal Lines Insurance (Auto, Home, Renters)
Liability-only covers damage to others if you're at fault. Full coverage includes liability plus protection for your own vehicle (collision and comprehensive).
Renters insurance covers your personal belongings, liability protection, and sometimes additional living expenses if your apartment becomes uninhabitable.
Contact us directly or your carrier's claims hotline. We’ll guide you through the process step by step to ensure a smooth experience.
No. Standard homeowners insurance does not cover flood damage. You’ll need a separate flood insurance policy if you're in a high-risk area.
In most cases, you’ll need to have an insurable interest in the vehicle. But there are options — our agents can help determine what works best for your situation.
Business & Commercial Insurance (Trucking, BOP, Liability)
You’ll typically need primary liability, cargo, physical damage, and bobtail/non-trucking liability coverage to stay compliant and protected.
A BOP bundles general liability and commercial property insurance into one policy — perfect for small business owners.
In most cases, we can issue Certificates of Insurance the same day — sometimes within minutes — to help you keep contracts moving.
No problem. We work with carriers that specialize in new ventures and can find a solution that works for your risk profile and budget.
Yes. We can help you add additional insureds, drivers, or vehicles to your policy with the correct endorsements.