Common Questions

Can I pay my bill on-line?


Yes, all you need to do is register for an online account in the customer login section. To register, you will need your policy number and your agent number (found on the policy declarations page and your renewal notice or bill). Once you register, we will verify your information and send a temporary password to the email address you enter. The first time you sign on, you will be given the opportunity to change your password. Your email address will be your user ID.

By registering, you will be able to:

  • Pay your bill online using a credit card
  • View your policy
  • Manage your account
  • File a claim


To register to pay your bill, file a claim, or manage your account online, you will need your agent (or producer) number and policy number.

These numbers are on your policy, your policy declarations page, and any premium notices we send you.

Are there payment plans available for my policy?


Yes. Different options are available based on the product and premium due. Your agent will be able to provide you with additional information.


What is a deductible?


The policyholder is responsible for a portion of the cost when a covered loss occurs. The larger the deductible, the lower the premium. Many policies have multiple deductibles. For example, a Homeowners policy in Florida has one basic deductible for most types of losses and a special deductible for hurricanes.


What is Liability Coverage for and why do I need it?


Liability coverage protects you from financial loss due to someone getting hurt while on your property. It’s wise to have liability coverage because it’s relatively inexpensive, and the size of your potential financial loss can be very large.


Why doesn’t my Homeowners cover flood?


Flood is a separate policy covered by the National Flood Insurance Program. You should discuss this risk with your Bankers Agent.


What is Replacement Cost vs. Actual Cash Value?


Actual Cash Value is the value of the property at the time of the loss, after depreciation. In other words, Actual Cash Value is what your things are worth today if you were to sell them on the street.

Replacement Cost is what it will cost you to buy comparable quality items to replace damaged, destroyed or stolen ones.


What is Ordinance or Law? Do you think I should buy it?


When a home must be rebuilt or repaired, it must be done in accordance with current building codes and zoning laws – even if your original home did not meet those codes. This coverage helps you pay the additional cost that may result from the enforcement of current codes and laws.


What is Windstorm Mitigation?


Windstorm Mitigation is a discount that you can earn by doing a variety of things to your home to make it safer in a storm, such as adding storm shutters to your windows.


Who is the “Named Insured”?


In the case of a homeowner policy, for instance, it is the person(s) listed on the deed.


Why should I pay on time?


To avoid an unanticipated interruption in your coverage at a time when you may need it, you always want to make sure your insurance premiums are paid on time.