We have assembled the list of frequently asked questions which we hope you will fine helpful and informative.
General FAQ's | Personal FAQ's | Business FAQ's | Life/Group FAQ's
General FAQ's
Why use an agent to purchase insurance?
Our agents are your neighbors, coaches, community members. We have as much interest in your well-being as you do! While you may feel you can get a better price by using the Gecko, or another online insurance service, we always do our best to provide you with an appropriate price and of course, outstanding customer service. We ask that our community keep its dollars within Alaska, not send it to some unknown location.
What Information do I need to bring?
It is helpful for you to bring what your current coverage (if any) is, which would mean bringing in your policy. Also, while we can provide a quote for your autos without the vehicle identification number(s) (VIN), the more information we have, the more accurate your quote will be, so if convenient, please do bring in your registration(s). As for your home, we will need details such as year built, square footage, # of rooms, if you own a dog, if you operate an in-home business, upgrades such as new roof or new heating system, and more. This will enable us to provide a good indication of what our companies can write your home for.
How much coverage do I need?
Coverage limits are dependent on many factors and are relative to each individual and/or family. There is no “boiler plate” answer to this question. We recommend for you to call us and we can assist you to determine the coverage you need.
What does home insurance cover?
What does auto insurance or classic/antique car insurance cover?
What does watercraft insurance cover?
What does umbrella insurance cover?
What does renters insurance cover?
What does motorcycle insurance cover?
What does RV or travel trailer insurance cover?
What does mobile home insurance cover?
What does ATV & snowmobile insurance cover?
What does earthquake insurance coverage cover?
What does landslide insurance coverage cover?
What does flood insurance coverage cover?
Personal Insurance FAQ's
What does homeowners insurance cover?
Click here for a detailed explanation.
What factors can affect the cost of my automobile insurance?
Many factors can affect the cost of your auto insurance. Clean driving records and clean credit will provide the best pricing for you, though there are numerous discounts such as multi-car, retired & 55 years or older, good student discounts for young drivers under 25, and if you have your home or renters with the same company it usually qualifies for a discount as well!
What does earthquake insurance cover?
Click here for a detailed explanation.
Business Insurance FAQ's
Does my business need insurance?
Absolutely. Business owners that provide goods and services, including professional plans/proposals, need to at least insure against liability claims. Other coverage’s may be needed such as property, mobile equipment, autos they use in business, workers’ compensation if they have employees, etc. Call one of our experienced agents today to discuss your business.
How much coverage does my business need?
Coverage limits are dependent on many factors and are relative to each individual business. There is no “boiler plate” answer to this question. We recommend for you to call us and we can assist you to determine the coverage you need.
Do you offer liability insurance?
Yes. We have many markets for the liability coverage you need, as every business has the exposure to a third party lawsuit.
Group/Life Insurance FAQ's
How many employees do you cover?
We can provide coverage for any size group beginning with 2 employees
What health benefits do you offer?
Our companies offer medical, dental, prescription drugs,vision, long term disability, group life, and accidental death & dismemberment.
What is the value of life insurance?
That is a difficult question to answer, but typically we recommend a minimum of 8 times the annual income for a family situation. You have to remember that life insurance needs to replace a lost income of a family or business member, pay for outstanding debts, pay off a mortgage, create education fund(s) for children, and be used for estate conservation. There are many ramifications for not having adequate life insurance.
