Q. What are the advantages to using an agent to purchase insurance?

Q. What kinds of questions are asked when I am applying for an insurance policy? Why do insurance companies need so much information?

Q. I live in a low-risk flood zone. Do I really need flood insurance?

Q. Do I need earthquake coverage? How can I get it?

Q. Where and when is my personal property covered?

Q. What should I consider when purchasing homeowner’s insurance?

Q. What does homeowner’s insurance cover?

Q. What is "replacement cost" coverage on a homeowner’s insurance policy?

Q. What are some things that I can do to lower the cost of my homeowner’s insurance?

Q. How much auto insurance should I buy?

Q. What is the difference between collision coverage and comprehensive coverage?

Q. I have an older car with little to no value– do I really need to purchase automobile insurance?

Q. Why is planning for LTC important?

Q. What are the odds I’ll need long-term care (LTC)?

Q. Won’t Medicare cover my LTC needs?

Q. Won’t Medicaid cover my LTC needs?

Q. What’s the best age to start planning for LTC?

Q. What are the most important questions to ask about LTC insurance?

Q. Why buy something I might never use?

Q. Can I get LTC in my own home?

Q. How much coverage is the right amount?

Q. Why is it important for women to plan?