Question 1

Why'd my rate go up?

Accepted Answer

Insurance rates can increase for various reasons, even without a claim. These may include rising costs due to inflation, changes in your personal profile, regional risk trends, or industry-wide adjustments. Rate changes often reflect broader market conditions rather than individual history. If you're concerned about a recent increase, we'd be glad to review your policy and explain the factors involved.

Question 2

Am I covered to rent a car?

Accepted Answer

Your personal auto insurance typically covers rental cars, particularly for liability. However, coverage for damage can vary by policy. It's important to verify if your policy includes collision and comprehensive coverage for rentals. Rental companies also offer additional insurance options. For business rentals or specific inquiries, we recommend consulting with your insurance agent.

Question 3

What is an umbrella policy?

Accepted Answer

An umbrella policy provides additional liability protection beyond your standard insurance policies. It becomes effective when your existing policy limits are reached, offering extra protection for your assets in case of significant injuries, property damage, or legal claims for which you're held responsible.

Question 4

What types of insurance policies do you offer?

Accepted Answer

We offer a comprehensive range of insurance policies including home, auto, health, life, and business coverage. Our services span from personal protection to commercial insurance, and we customize policies to meet your specific requirements and ensure comprehensive coverage.

Question 5

How do I know which insurance policy is right for me?

Accepted Answer

Our insurance professionals will evaluate your lifestyle, assets, and objectives to suggest coverage options that align with your needs and financial considerations.

Question 6

What's the difference between liability, collision, and comprehensive coverage?

Accepted Answer

Liability insurance covers damages you cause to others. Collision insurance protects your vehicle in case of accidents. Comprehensive insurance provides coverage for non-collision incidents such as theft, fire, or weather-related damage.

Question 7

Do you offer coverage for small businesses?

Accepted Answer

Indeed, we provide customized commercial insurance solutions for small businesses. Our offerings include general liability, property insurance, workers' compensation, and various other coverage options.

Fortress Insurance Services

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