When I rent a car, do I need to buy insurance sold by the rental company?


No, car rental companies charge daily fees for "CDW" coverage (which means their insurance will pay for all damages covered in your rental agreement). Rental car coverage under a private passenger policy varies state by state. Check your policy or contact us today.

How much insurance coverage should I buy for my house?


Nothing is worse than the feeling you get when you are responsible for damage to someone else's property or for someone else's injuries. We can assist you with your selection of coverage to help you alleviate this financial worry.

This coverage is part of your Homeowners Insurance policy. It protects you and your family against property damage or bodily injury claims for which you are legally responsible. Liability insurance covers you, for example, if someone slips and falls on your property or if your dog bites someone.

Today, when multimillion-dollar lawsuits are common, your homeowners policy may provide substantial liability limits, but it may not be enough. Personal Liability Umbrella is available to supplement your present policies and provides additional coverage in increments of $1 million.

What does "full coverage" mean?


The term full coverage generally means that the insurance policy has both liability coverage and coverage for damage to your vehicle. The term full coverage does not mean that "everything" is covered no matter what happens. Your Auto insurance Policy Declaration page lists the coverage you have selected. One of our Agents  can help you select Auto insurance coverage that fits your needs and budget
 

What kinds of discounts are available for Auto insurance?


We offers a variety of discounts, including discounts for selected occupational groups (doctors, RNs, dentists, teachers, police, firefighters, etc.), homeowners, good students, teens with parents who have safe driving records, drivers who own cars with air bags, drivers who own two or more automobiles, and more.
 

How much life insurance do I need?


It’s important to find out how much Life insurance coverage is right for you. Consider the formula below and visit our Life insurance needs calculator to find out how much financial support your family or dependents would need if you were not around.

Debt + Income + Mortgage + Education = Life Insurance Needs



Am I covered if I drive someone else's vehicle?


Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the owner's insurance would apply toward damages first. Your Auto insurance would generally apply in the event the owner of the vehicle had no Auto insurance or did not have enough Auto insurance to pay the damages. For specific information and guidance on your coverage in this situation, contact us today.


What would it cost to replace the contents or personal belongings of my home?


If the unexpected happens, losing your home contents could be distressing as well as financially devastating. Your Farmers homeowners, Townhouse, Condo and Renters policies cover the loss of your personal belongings, subject to the policy limits and conditions.

There are two distinct ways to insure your personal possessions:

Replacement cost coverage: This coverage pays you the dollar amount needed to replace personal property without any deduction for depreciation, but is limited to a maximum dollar amount.
Actual cash value: This coverage pays you an amount equal to the replacement value of damaged property minus depreciation. Unless a homeowners policy specifies that property is covered for its replacement value, the coverage is for actual cash value.

Many people make the mistake of underestimating the value of their home contents. This mistake is easily made when you consider the amount of new items we purchase each year. Under-insurance can lead to heartache and inconvenience should the unexpected happen. We are available to assist you with insuring your home contents.


What does a Home insurance policy not cover?


Homeowners insurance policies typically does not cover the following but it is not limited to damage resulting from the following:

  • Earth movement
  • Water
  • Nuclear hazard
  • Neglect or failure to make repairs
  • Corrosion, deterioration, decay or rust
  • Wear and tear
  • Contamination
  • Fungi
  • Increased cost due to enforcement of any building ordinance or law
  • Government actions
  • Power failure
  • Animals or pests
  • War




FAQs

Bison Insurance and
Financial Services, Inc.