Frequently Asked Questions
Our goal is to allow you to make decisions from a place of certainty, not fear, when tragedy strikes. We believe this is done through education.
C.L.U.E. stands for for Comprehensive Loss Underwriting Exchange, a report produced by LexisNexis®. This will allow insurance agents and carriers to see up to seven years of personal property claims history. This can be extremely beneficial when purchasing a house or pre-owned vehicle. You might discover un-repaired losses like water/foundation damage, and roof damage or a salvage title on a vehicle. It could even help to determine the age of the roof. To request your FREE C.L.U.E. report keep scrolling to the Get a C.L.U.E section.
A deductible is an amount you are responsible for in the event of a loss. Insurance covers the remainder after the deductible is paid out-of-pocket.
Technically speaking, there is no "Full Coverage". This is considered a slang term in the industry. However, when most people refer to "Full Coverage", they are usually talking about Comprehensive and Collision coverages.
There are a plethora of factors that determine insurance premiums. In fact, far too many to list. The best way to think about insurance premiums is like a double-pan scale. On one side is the premium you've paid for five or ten years, on the other side is the amount the insurance carrier will pay for one major claim. No matter what, the scale will never be level.
Get a C.L.U.E.