Insurance coverage cannot be considered bound or altered through our voicemail or e-mail systems alone. For coverage to be considered bound or altered, you must speak to one of our licensed insurance agents and receive written confirmation that coverage is in place or has been altered.

The insurance policy supersedes any and all quotes, proposals, or summaries of insurance. Always read your insurance policy/ies and make sure to consult your Agent as soon as possible with any questions or clarification. Only insurance policies themselves provide coverage. Any and all quotes, proposals or summaries of insurance are not a part of and are not incorporated into the in-force insurance policy itself. If there is any conflict between the coverage description(s) shown in any quote, proposal or summary of insurance and the actual in-force insurance policy, the policy itself always prevails. Always read your insurance policies in their entirety.