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Insurance Basics

Understand how insurance works so you have the right coverage no matter what life brings.

Get the facts

Insurance plays a crucial role after a collision or flooded basement, but many people aren't sure how it works. Getting the right information from a reliable source means you can make informed decisions about your coverage options.

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How insurance works

Let’s start with some basics including correcting myths, learning helpful tips for finding the right insurance for your needs and understanding your options, rights and responsibilities.

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Auto insurance

Your car can be one of your most important assets, whether it’s right off the assembly line or new to you. Insurers look at a number of factors when calculating your premium, including your driving record and the type of vehicle you drive. Get the right insurance for your needs by making informed decisions.

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Home insurance

Owning a home may be your single largest financial investment, so it’s important to keep it protected.

Home insurance is more than just a policy guarding against fire, theft, hail or windstorms – it represents peace of mind. Because coverage may vary from one insurer to the next, it’s important to select a policy suited to your specific needs. Take the time to learn about how rates are set, the different types of coverages and how to buy insurance to ensure you’re informed and protected.

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Business insurance

As a business owner, you have many responsibilities – your staff, your property, and your customers. Keep your business operations running smoothly by understanding the coverage you need and how to mitigate risk.

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