Frequently Asked Questions
Give us a call and let us fill in the details. Whatever your insurance needs or questions, Simmons Insurance is here to serve you.
What is homeowners insurance?
"Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it..."
What is renters insurance?
"If you rent a house or apartment, your possessions are NOT covered under your landlord's policy. Having renters insurance can protect your belongings and give you peace of mind..."
What is auto insurance?
"Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy..."
Asteroids, meteors, falling objects: are these covered?
"Forecasts of debris from satellites falling to earth regularly receive attention in the news media but the prospect of asteroid debris striking the planet, which occurred on February 15, 2013, in Russia, poses an equally compelling risk to life and property. While the likelihood of actually getting struck by a satellite, a meteor or an asteroid is extremely rare, the good news is that if one of these falling objects does hit you, your home, your car or your place of business, you would be you are financially protected by insurance..."
Do I need additional protection for jewelry and other valuables?
"A standard homeowners policy includes coverage for jewelry and other precious items such as watches and furs. These items are covered for losses caused by all the perils included in your policy such as fire, windstorm, theft and vandalism.However, there are special limits of liability for certain items,..."
What information do I need to give to my agent?
For auto insurance: "Your agent will ask you what make and model cars you own, roughly how many miles you drive each year, and what kind of liability coverage you will need. The agent will also want to know how many people drive the cars, how old the drivers are, where you live, and driving records of each household member. Additionally,..."
For homeowners or rental insurance: "Your agent will ask you what kind of home you own or rent, roughly how much your possessions are worth, and what kind of liability coverage you will need [do you have a pool?]. The agent will also want to know how many people live in your household, what pets you own, and the general condition of your house. You should also tell him if you own any particularly valuable items that might need special coverage called a floater."