Frequently Asked Questions

An Excess is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder. Qualifying clients may enjoy a waiver of the excess amount

When speaking with your agent to set up your policy, any valuables you are concerned about and our agent can review your policy and recommend changes to ensure your valuables have proper coverage.

No. You do not need a new home appraisal during the renewal or coverage change process. It would be wise to double check though.

The Insured value of the vehicle may differ from what is owed to the finance house. Shortfall cover, if noted on the schedule, should help settle the difference the client may owe in the event of a Theft or Car being written off. Limits may apply per different underwriter.