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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. Can I bind coverage over the phone or internet?
  2. Am I required to have flood insurance on a property where I have no mortgage?
  3. Do I need to list all drivers in my househoold?
  4. If I switch insurance carriers and have a mortgage, do I need to notify my mortgage company?
Can I bind coverage over the phone or internet?
No.  All binding will be done at the time an agent responds back and the appropriate premium is collected.

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Am I required to have flood insurance on a property where I have no mortgage?
Possibly.  Some carriers require a supporting flood policy for those homes in particular flood zones.

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Do I need to list all drivers in my househoold?
Yes.  All licensed drivers living in the household should be listed on the policy. 

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If I switch insurance carriers and have a mortgage, do I need to notify my mortgage company?
Yes.  Especially if the mortgage company is paying the premium out of your escrow.  Most mortgage companies require the homeowner to request a payment to the new insurance carrier.

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