Our Agency
How long will a quote take if I call in today?
Depending on the type of insurance you can get a quote the same day or within 72 hours.
Is there a fee for getting an insurance quote?
With us, there isn’t.
Book a no-obligation consultation with our team, and you’ll receive free insurance quotes from different carriers so that you can easily compare and contrast. We work with you to find the right insurance quote, no strings attached.
If I am already with the insurance company can I still choose to work with your agency?
-Yes you can transfer your policy over to this office with an Agent of Record Change form.
Auto Insurance
If I am getting my driver license without owning a vehicle, am I eligible for non owners insurance?
Non-Owner Car Insurance is a type of liability insurance designed for individuals who drive but do not own a vehicle. It provides coverage for bodily injury and property damage liability if the policyholder causes an accident while driving a car they don’t own. However, it does not cover damages to the vehicle being driven or provide comprehensive or collision coverage.This type of insurance is ideal for people who frequently rent, borrow, or use car-sharing services but do not have their own auto insurance policy.
If you live in a household with someone that owns a car you will not be eligible for non-owners.
How long do tickets and/accidents stay on my driving record?
Typically, driving accidents and tickets stay on your record for 3 years, but depending on the severity of the violation, they could be there for up to 10. For example, an “at-fault” accident will remain on your driving record for at least 6 years from the date of conviction.
What is a lapse in insurance?
A lapse occurs when you stop paying for or cancel your car insurance. We recommend avoiding an insurance lapse as this can result in costly consequences.
Home Insurance
What is an escrow account?
An escrow account for homeowners is a special type of account set up by a mortgage lender to manage and pay property-related expenses on behalf of the homeowner. It ensures that essential costs such as property taxes, homeowners insurance, and sometimes mortgage insurance are paid on time.Instead of the homeowner paying these bills directly, the lender collects monthly payments along with the mortgage and deposits them into the escrow account. When the bills are due, the lender uses the escrow funds to pay them.
Health Insurance
HMO vs PPO ?
When choosing health insurance, two of the most common types of plans are HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization). Each has distinct advantages and limitations, depending on cost, flexibility, and provider access.
1. HMO (Health Maintenance Organization)
Key Features:
- ✔ Lower Costs – Lower monthly premiums and out-of-pocket expenses.
- ✔ Primary Care Physician (PCP) Required – You must choose a PCP who coordinates your care.
- ✔ Referrals Required – You need a referral from your PCP to see a specialist.
- ✔ In-Network Only – You must use doctors, hospitals, and providers within the HMO network, except for emergencies.
Best for: People looking for lower costs and coordinated care and who don’t mind limited provider choices.
Example Scenario:
You feel chest pain and visit your PCP first.
Your PCP refers you to a cardiologist within the HMO network.
Without a referral, you cannot see a specialist (unless it’s an emergency).
2. PPO (Preferred Provider Organization)
Key Features:
- ✔ Higher Costs – Higher premiums and out-of-pocket expenses.
- ✔ No PCP Required – You can see any doctor without choosing a primary physician.
- ✔ No Referrals Needed – You can see specialists directly without a PCP referral.
- ✔ In-Network & Out-of-Network – You get coverage both in and out of network, but out-of-network costs are higher.
Best for: People who want more flexibility in choosing doctors and specialists without needing referrals.
Which Plan Should You Choose?
Choose an HMO if: You want lower costs and don’t mind network restrictions.
Choose a PPO if: You prefer more provider options and don’t want to deal with referrals, even if it means higher costs.