Frequently Asked Questions:

                              Auto

                                                   What does "full coverage" mean?
                                      The term "full coverage" is a term that means the legally required                                 
                                       or most commonly requested coverages.  Legal requirements vary
                                      from state to state, with some requiring more than others.  Full
                                      coverage can include bodily injury, property damage, uninsured
                                      and underinsured motorist, damage to the insured vehicle (also
                                      known as comprehensive and collision) and any other coverages
                                      available such as rental car and towing.

                                  Life

                                                         How much life insurance should I get?
                                           If you have a family, most experts agree that a policy worth 5 to 10
                                           times your annual salary is a wise investment.  However many
                                           individuals choose to purchase a higher amount.

                              What are the types of home insurance?
                                      The two categories of homeowner insurance are "all-risk
                                      insurance" and "named-peril insurance."  All-risk insurance covers
                                      losses except those specifically excluded in the policy.  Name-peril
                                      policies pay only for the causes of loss specified in the policy.