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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. What day of the month will my checking/savings account be debited and what month does it pay my premium for?
  2. What day of the month will my credit card/debit card be charged and what month does it pay my premium for?
  3. When will I get my refund for a cancelled policy if I pay by credit/debit card?
  4. I want to cancel my policy, what do I need to do?
  5. When will my policy be cancelled?
  6. Will I receive notice that my policy has been cancelled?
  7. If my premium has already been paid when will I receive a refund?
  8. When can changes be made to my policy?
  9. Can I cancel at any time?
  10. Payment, billing questions
  11. Policy Coverage – Limits
  12. What is water-sewer, drain backup coverage?
  13. Do I really need Uninsured and Underinsured Motorist Coverage?
  14. What is a Personal Umbrella?
  15. When to add youthful Operator.
What day of the month will my checking/savings account be debited and what month does it pay my premium for?
The account is debited on the 15th of the month for the following month's coverage. If the 15th falls on a weekend, it will be debited on the following Monday. If the 15th falls on a holiday, it should be the next working day.

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What day of the month will my credit card/debit card be charged and what month does it pay my premium for?
The card is charged on the 20th of the month for the following month's coverage. If the 20th falls on a weekend, it will be charged on the following Monday.

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When will I get my refund for a cancelled policy if I pay by credit/debit card?
The refund is credited back to the card once we received credit back from the company. This transaction also takes place on the 20th of the month

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I want to cancel my policy, what do I need to do?
We need a signed, written request with your name, address, phone number, and the type of insurance you are cancelling. If you have more than one policy please state if you want them both cancelled. This request can be mailed, faxed or emailed to our office.

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When will my policy be cancelled?
It will be cancelled on the 1st of the month following receipt of your request.

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Will I receive notice that my policy has been cancelled?
Yes, you will a letter stating your policy has been cancelled.

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If my premium has already been paid when will I receive a refund?
When we receive credit back from the company. For a credit card payment, your refund will be credited back to your account on the 20th of the month following receipt of the credit, if your premium is drafted from your checking account your will receive a refund check after credit is received.

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When can changes be made to my policy?
Dependents can be added or removed at any time if there is a qualifying event (marriage, divorce, birth, adoption, loss of other insurance, etc.). Changes must be requested within 30 days of the qualifying event.

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Can I cancel at any time?
Yes. Cancellations will be effective the 1st of the month after we receive the written request.

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Payment, billing questions
Each company has their own billing system, and payment plans with options. Some have the option of making payments online or by phone direct to company with either credit/debit card or checking account. There is also the option of automatic bank with drawl. Most companies will print this information on their billing with company website and 800#. If necessary you can call your agent to get information.

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Policy Coverage – Limits
Your coverage is listed on your declaration page of policy. If however, you have additional questions or would like to discuss possible changes to your policy, contact your agent. Some companies will have a customer service 800# to call them direct and you will be able to talk directly to the company regarding coverage and changes. This 800# is provide with your policy packet.

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What is water-sewer, drain backup coverage?
Will your homeowners insurance cover this? Fall and spring tend to be our wettest seasons making our homes most susceptible to the backup of sewer or drain lines. While these events don’t occur often, when they do, the problem can be a small disaster. Did you know a standard homeowner’s insurance policy excludes coverage for such an event? It’s true. The backup of sewer and drains as well as the failure of a sump pump is excluded. Heavy rains can trigger a backup. A storm sewer or sanitary sewer back up into your home usually comes in through a sump well, washtubs, in basement, or toilets in the basement. However, the damage can happen anywhere in the house. Sump pump failures normally occur from power outages or motor failures. The damage can be quite costly. Normally damage occurs in the basement, which houses the mechanical systems of the house such as washer and dryer, furnace, hot water tank and the numerous items people store there. For the thousands of dollars in damage, it would be well worth purchasing the additional coverage with your homeowner’s policy to cover such an event. Most insurance companies have a 30 day waiting period to add this coverage to an existing policy. However, some companies will waive the waiting period if purchased the same time you purchase the policy.

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Do I really need Uninsured and Underinsured Motorist Coverage?
Uninsured or underinsured motorist coverage can pay for injuries to you and your passengers, when there is an accident and the other driver is both legally responsible for the accident and considered “uninsured” (no coverage) or “underinsured”(not enough coverage). Your coverage could help to pay, medical bills, disability, and loss of wages for you and your passengers

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What is a Personal Umbrella?
Personal umbrella insurance provides coverage beyond your homeowner or auto policy by adding an extra layer of liability coverage. Coverage is provided in amounts of $1,000,000 increments. Umbrella insurance also covers situations that may not be covered by another policy such as slander or libel. How does it work? Example: Coverage: you have liability insurance on your auto policy for $100,000. You also have additional liability protection through umbrella coverage of $1,000,000. Incident: On the way home from work, you run a red light and accidentally hit a biker. The biker is seriously injured and sues you for damages of $500,000. The court finds you liable for the full amount. Result: The liability on your auto policy pays the first $100,000. Once depleted, your umbrella policy pays the final $400,000. If you had not been protected with the additional liability coverage, you personally would have been responsible for the other $400,000 in claims against you.

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When to add youthful Operator.
Most companies will not charge for newly permitted driver. Once completed the training, and upon receiving their permanent license, the youthful operator should be added to the auto policy.

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