FAQ's (Home)

If I change insurance companies will my coverage be the same?

When considering changing insurance companies it's good to compare your existing policy against your updated application. It's not uncommon to find a customers home and belongings are inadequately insured.

How can I save money on my homeowners insurance?

One of the easiest ways to save on homeowners insurance is to accept a higher deductible. If you have cash reserves, setting aside another 1% of your homes insured value may help you keep you avoid making small claims that could negatively impact your claims history.


Do I really need FULL coverage?

Auto insurance is mostly about the "other person" in the event you cause an accident. Most of the time, the terms of your coverage are based on the ownership status of the vehicle you're driving. Leased and financed vehicles may have certain coverage requirements to protect the lienholder. If you have a late year model vehicle, there's a chance that the technology is so advanced, any minor accident (especially front-end damage) could be really expensive.

How can I save the most money on my auto insurance?

Auto insurance discounts vary by carrier with most of the risk being determined by a driver's age and driving experience.

Accident-free households with no moving violations may a huge difference in premiums compared to households with drivers who've committed a moving violation and/or had a chargeable accident in the previous 5 years (prior to application).

What you need to know.

Insurance isn't meant to make you rich in the event of a covered loss. Insurance is meant to bring you back whole (indemnity). We pay premiums to help avoid catastrophic financial loss when something goes wrong (e.g. we cause an automobile accident or a tornado destroys our home).

AIS is determined to help you get coverage from A-rated carriers (or better) at prices that you can afford. We know it's a competitive marketplace for insurance. Let us help you do your due diligence and find coverage that matches your needs and gives you the peace of mind knowing you're protected.