FAQ’s

Home insurance typically covers damage to the structure of your home, personal belongings, and liability for accidents that occur on your property. We can help you understand the policy details and add coverage for specific needs.

Standard home insurance policies may not cover flood damage. If you need this additional protection, we can assist in adding a flood insurance rider to your policy.

You can reduce your premium by installing security systems, fire alarms, and storm-resistant windows. Bundling home insurance with other policies may also offer savings, and as your broker, we’ll help you find the best options.

Contact us immediately to report the damage, and we will guide you in documenting the issue and submitting the necessary claim forms. We’ll ensure you follow the correct procedure with your insurer.

Coverage for natural disasters like earthquakes, floods, or hurricanes may require additional coverage. We can review your policy and advise on necessary riders to ensure your home is fully protected.

Accidental damage such as broken windows or accidental spills may be covered under some home insurance policies. We’ll work with you to review your coverage and ensure you’re protected.

Term life insurance provides coverage for a set period, while whole life insurance offers lifelong coverage and builds cash value over time. We can help you assess which option fits your needs and financial goals.

Yes, life insurance is available for individuals with pre-existing conditions, though the premiums may be higher or exclusions may apply. We’ll help you find the best policy that accommodates your health history.

The amount of coverage depends on factors like your income, debts, dependents, and financial goals. As your broker, we’ll work with you to determine the appropriate level of coverage for your situation.

Yes, you can change the beneficiary at any time. We can assist you with the process and ensure the changes are properly documented with your insurer.

Many life insurance policies include accidental death coverage, but additional riders may be needed for more extensive protection. We’ll help you explore your options and ensure you’re fully covered.

In the event of a claim, contact us directly, and we’ll assist in submitting the claim to your insurer, including providing necessary documentation like the death certificate.

Insurance premiums can be paid through bank transfers, mobile payments, online payment platforms, or directly at your insurer’s office. As your broker, we can assist in setting up your preferred payment method.

Missing a payment can result in a lapse in coverage. We can help you communicate with your insurer to reinstate your policy or explore alternatives if payment is missed.

Many insurers allow automatic payments via your bank account or credit card. We’ll assist you in setting up this convenient option so you never miss a payment.

To change your billing cycle, simply contact us, and we’ll work with your insurer to adjust the billing frequency to monthly, quarterly, or annual payments.

Refunds may be available depending on your policy’s terms and any cancellation fees. We’ll guide you through the process to ensure you understand the terms of cancellation.

Most insurers allow updates to billing information online. We can help facilitate this process, ensuring your payment details are up to date.

Contact us immediately after an accident or incident. We’ll help you gather all required documentation and assist in submitting the claim to your insurer.

After reporting the damage to us, we’ll help you document the issue, complete any necessary forms, and submit the claim to your insurance provider.

Processing time varies depending on the complexity of the claim. Simple claims may be processed in days, while more complex claims might take longer. We’ll keep you informed throughout the process.

Filing a claim may impact your future premiums, especially if you have multiple claims. We’ll provide advice on how your claims history might affect your rates.

If your claim is denied, we can assist you in understanding the denial reasons and help you through the appeals process with your insurer.

Many insurers provide online portals where you can track the status of your claim. We can guide you on how to access this service and stay updated on your claim’s progress.

Yes, most insurers allow adjustments to your policy during the term. We’ll assist you in updating your coverage or adding riders to fit your changing needs.

A deductible is the amount you pay out-of-pocket before your insurer covers the remaining costs. Higher deductibles can lower your premiums, and we can help you find the right balance for your policy.

We’ll provide you with a copy of your policy details and help you understand the coverage, limits, and exclusions. If you have any questions, we’re here to clarify.

Yes, additional coverage options can be added to your policy, such as riders for specific events or higher coverage limits. We’ll work with your insurer to adjust your coverage accordingly.

It’s recommended to review your policy at least once a year, especially after major life changes. We can help you assess your policy and make updates as needed.

We’ll remind you when your policy is due for renewal and guide you through the process of renewing or adjusting your coverage to meet your current needs.