Frequently Asked Questions

Renters insurance provides protection of your personal belongings in the event of a loss in addition to providing protection against medical and legal bills should someone get injured while visiting.  There are some property owners that require all tenants to have insurance

Long Term Care insurance, or LTCI, helps provide for the cost of long-term care which is usually not covered by traditional health insurance or Medicare. This care can take place in a nursing home, assisted living center, at your home and a variety of other facilities. The cost of your long-term care insurance policy is based on the type and amount of services you choose to have covered, how old you are when you buy the policy and any optional benefits you choose, such as Inflation Protection.

Life insurance that pays only a death benefit is called term insurance. It provides protection for a specific period of time – the “term”- and is designed for temporary circumstances.  Permanent insurance offers lifelong protection and you can accumulate cash value on a tax deferred basis.

A deductible is the fixed dollar amount you pay for most covered services before benefits are available during a benefit period.

We recommend that you have enough insurance to ensure that it can be “replaced” if you have a loss.

Umbrella insurance is designed to give you added liability protection above and beyond the limits of your current insurance policies. Additional liability insurance is often inexpensive, especially compared to the added coverage you will gain.

An Independent Agent usually has the authority to write business with many different insurance companies allowing them to shop for the best combination of coverage and price. All of the agents at American Trust Insurance are Independent Insurance Agents.

Many factors go into rating your insurance. Most, if not all insurance companies develop an insurance score that is somewhat based upon information obtained from credit bureau reports. Your social security number is used when running a credit report. American Trust Insurance has safeguards in place to protect all confidential data and we do not release any information to unrelated third parties.

Exchange contact information with everyone involved, including name, address and phone number. Get the following information about all vehicles involved – make of car, year of car, license plate number and insurance carrier. Also, get the name and phone number of anyone who witnesses the accident.

The premium you pay is a direct reflection of your driving record for the past three to five years (depending on the insurance company). Insurance companies order driving records from the Department of Motor Vehicles of your residence state and from other states where you’ve been licensed.

Most insurance companies require that all licensed members of the household (this includes non-family members) be listed on your insurance policy unless they are covered under a policy of their own. This also applies to students away at college.

The premium you pay is a direct reflection of your driving record for the past three to five years (depending on the insurance company). Insurance companies order driving records from the Department of Motor Vehicles of your residence state and from other states where you’ve been licensed.