A standard home policy protects your home against storm damage caused by things like wind, hail, lightning, wildfires, fallen trees and power surges. However, damage caused by flood and earthquakes is typically not covered. The good news is that we offer additional coverage options you can add to your policy.

There are tons of great options out there. I’d say a smart thermostat is a great choice because it only keeps your home at the temperature you prefer, it’s an easy way to lower your electric bills. Another one I really like is the smart doorbell. You can see who’s at your front door from your smartphone, which can help prevent package theft, among other things. I think everyone can benefit from a smart home security system, and there are plenty of choices, depending on the features you’re looking for. Preventative smart devices like a smart water leak detector are another thing to consider. Better to be prepared now than sorry later. You may also be able to save money on your insurance when you install certain smart home tech, which is another plus.

That depends. If you work for an employer and have company owned equipment in your home, find out if they take responsibility for it. If not, talk to your agent to see what coverages you might need. If you have your own home business and have clients or work associates coming to your home, or store some type of inventory, you might need a business insurance policy. Give your agent a call to discuss your specific situation.

Ideally before the work begins. You’ll want to make sure you have the right coverage in place to protect yourself should a contractor get injured on the job or there’s accidental damage to your property during the process. It might also be necessary to adjust the coverage on your home policy based on the improvements you make.

When choosing a deductible, it’s important to know this basic rule of thumb: the lower your deductible, the more you’ll pay on your monthly premium. Your deductible amount should fit your personal preference and typically depends on what you can afford to pay out of pocket in the event of a claim. If you have an emergency fund set aside for those situations, consider increasing your deductible to save on your insurance each month.

You should always fully understand how your driving habits might impact your coverage — carpooling included! If you’re a passenger, carpooling may reduce your overall mileage and qualify you for additional savings. If you’re the driver, having medical expense coverage can protect your passengers from unexpected events.

Your motorcycle policy protects you in many ways, but there are some situations whereyou may need additional coverage. Be sure to keep our coverage all year round, even if you live in a colder climate. That way, your bike will always be protected. If you’ve customized your motorcycle in any way, be sure to update your coverage to reflect that as well. I’d recommend talking to your agent about which custom coverages would be right for you, so you’ll be prepared for anything on the road.

As new RVers get used to life on the road, they can find themselves dealing with sewage management, leaking roofs and electrical issues. That’s why it’s so important to keep your RV in top shape with regular maintenance checks. To ensure your RV is covered from any other unexpected issues, like damage from low hanging branches, your agent can help you find the right protection.