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.
- What forms of payment are accepted in your office?
- How do I get a quote for my insurance policy?
- I want to go paperless. Do you have that option?
- Why Should I Choose An Independent Agent?
- How can I lower my premium?
- Why should I buy homeowner's insurance?
- What should I do if another driver hits my car?
What forms of payment are accepted in your office?We accept cash and checks. Our carriers accept most major credit cards.Back to TopHow do I get a quote for my insurance policy?Just contact our office and we will be more than happy to give you a quote! Or use our convenient "Contact Us" button at the top of the page. We'll be in touch with you promptly!Back to TopI want to go paperless. Do you have that option?If the carrier offers this service, it is easy to set up paperless statements and policy documents when the policy is issued. Many carriers have convenient online customer service options or apps for your phone.Back to TopWhy Should I Choose An Independent Agent?We are a part of this community and our employees are your neighbors. We are committed to our community and its residents as we proudly continue a legacy begun in 1919. You are important to us and a member of the First Community Financial Group Family! We are happy to take your call, and we welcome you stopping by and are here to assist any way that we can. As an Independent Agency we work for you and we recognize that you have many choices. We work with multiple highly rated insurance carriers to find you the best coverage to meet your or your family's needs perfectly. Back to TopHow can I lower my premium?
Back to TopWhy should I buy homeowner's insurance?
If you want to lower your monthly premium, or buy more coverage for less money, one way is to carry a higher deductible. A higher deductible also may make sense if you believe that your chances of making a claim are remote enough to warrant assuming extra financial risk.
Back to TopWhat should I do if another driver hits my car?
A home can require a tremendous investment of money, time, and energy. Homeowners insurance is designed to protect that investment by insuring the actual structure or structures and the personal possessions in and around them, as well as providing liability protection for the residents. Through homeowner's insurance, you can protect yourself and your family from enormous loss in the event of damage or destruction to your home and property. Most likely, if you have a mortgage on your home, you are required to carry homeowner's insurance.
Back to Top
If you were not at fault in the accident, you will make a third-party claim to the at-fault driver's insurance company. Because you are the claimant, the insurance company typically will issue the check directly to you. It's your responsibility to pay the repair shop, and the lender if you have a car loan. If the other driver doesn't have insurance, your uninsured motorist coverage will take effect, if you purchased that option for your policy.