Frequently Asked Questions
Below are the answers to some common questions we get asked by our customers. Still have questions? Click the link to contact us and we would be happy to help you.
How can I qualify for a multi-policy discount?
- If you have more than one active policy, you may be eligible for a Multi-Policy Discount. Eligible policies include qualifying Life, Commercial, Personal Auto, Personal home, and Umbrella policies!
How much life insurance do I need?
- Life insurance amounts will depend on your specific situation. Annual income, debts, family, and more. Contact Steve today who will help determine the coverage amount you need within your budget. Farm Bureau offers a program called WriteLife. Why should I use WriteLife? Save time, no additional phone calls may be needed, a physical exam may not be required, and you may receive approval for your life policy immediately!
What does an umbrella insurance policy cover?
- Umbrella insurance is extra insurance that provides protection beyond the existing limits and coverages of other policies. Umbrella insurance can provide coverage for injuries, property damage, certain lawsuits, and liability situations.
Does my auto insurance cover rental vehicles?
- In general, the insurance options offered by a rental company overlap with the insurance policies you already have. However, each insurance policy is unique, and you should always check with your insurance agent prior to renting a car.
Does my business need workers’ compensation?
- Most businesses are required by law to provide worker's compensation. It protects employees by providing income and medical care if they are injured on the job. It also protects employers by providing coverage for lawsuits filed because of a work-related injuries.
What is covered by business insurance?
- Business insurance can help pay the costs of property damage, lawsuits, lost business income, and other covered losses. To help protect against specific risks unique to their situation, businesses often buy multiple coverages and combine several in one policy.
What steps should I take if I’m in an accident?
- Call the police. Gather Information, and obtain the contact information of the other driver and the license plate of the involved vehicles. If possible, obtain photos/video of the accident scene and document any damage to the vehicles involved.