The Insurance Concierge FAQ’s

Unlike large call centers or online quote sites, we offer one-on-one, personalized service. You'll work directly with a licensed, independent agent who tailors recommendations to fit your unique lifestyle—not a one-size-fits-all policy.
We help you find coverage for home, auto, renters, boating, and motorcycle insurance—partnering with top-rated carriers to bring you reliable, affordable options.
We compare multiple carriers and policy types to find the best combination of price and protection for your specific needs. It’s not just about “cheapest”—it’s about right coverage, right price.
Most people receive personalized quotes within 24 hours or less—sometimes even the same day, depending on the type of coverage you're looking for.
We charge a flat $30 fee per policy. This covers our expert search and delivery of up to five competitive insurance quotes tailored to your needs.
The Insurance Concierge does not offer refunds or returns for any services or policies. We’re here to help answer any questions you have before you make a purchase, so you can feel confident in your decision.
Definitely. Whether you're reviewing your current coverage, looking to save money, or want better service, we’ll compare your existing policy with other options to see if there's a better fit.

Insurance FAQ’s

Insurance is a way to protect yourself and your family from unexpected financial setbacks caused by accidents, illness, or other unexpected events. It can also protect your assets if you’re ever sued. The right insurance gives you peace of mind, knowing you’re covered when it matters most.
There are many types of insurance available. The most common are homeowners, auto, and health insurance. Our team can help you understand which policies best fit your needs.
You pay a premium for your insurance coverage. In return, the insurance company agrees to pay for covered losses if and when they occur. The premium you pay is based on the level of coverage you select and the risk you want to protect against.
A deductible is the amount you must pay out of pocket before your insurance coverage applies. For example, if you have a $500 deductible, you’ll cover the first $500 of any claim, and your insurance takes care of the rest.
Definitely. Whether you're reviewing your current coverage, looking to save money, or want better service, we’ll compare your existing policy with other options to see if there's a better fit.
A premium is the cost you pay for your insurance coverage. The price depends on the level of protection you choose and the likelihood of a claim.
Liability insurance covers damages or injuries you cause to others.
Comprehensive insurance covers damage to your own vehicle caused by things like theft, vandalism, or weather, regardless of who’s at fault.

Auto insurance protects you financially if you’re in an accident. It can cover damage to your car, medical expenses, and liabilities if you’re responsible for an accident.
Auto insurance can cover things like collision damage, theft, vandalism, medical payments, and liability for injuries or damage caused to others.
Liability covers damage or injuries you cause to others. Full coverage includes liability plus protection for your own car if it’s damaged or stolen.
Discounts are available for safe driving, bundling policies, being a loyal customer, or adding safety features to your car.

Auto Insurance

Homeowners insurance protects your house, belongings, and liability if someone is injured on your property. It’s essential for financial security and required by most mortgage lenders.
It covers damage caused by events like fire, storms, or theft, as well as damage to personal belongings and legal expenses if someone is injured at your home.
Standard policies usually don’t cover flood or earthquake damage. These require separate policies.
You can save by bundling with auto insurance, adding security features, or increasing your deductible.

Homeowners Insurance

Motorcycle insurance protects you from financial loss if you’re in an accident, your bike is stolen, or you’re responsible for damage or injuries to others.
It can cover damage to your bike, medical payments, liability for injuries you cause, and protection against uninsured or underinsured riders.
Costs vary based on factors like your bike’s make and model, your riding experience, location, and the coverage you choose.
Yes! You can save by bundling policies, taking a safety course, having a clean riding record, or selecting a higher deductible.

Motorcycle Insurance

Renters insurance protects your personal belongings if they’re lost, stolen, or damaged. It also provides liability coverage if someone is injured in your space.
While it’s not generally required by law, many landlords require it as part of the lease agreement.
Renters insurance is very affordable — often as low as $10–$25 per month.

Renters Insurance

Boat insurance protects your watercraft from damage, theft, or accidents. It can also cover medical payments and liabilities if someone is injured.
It covers collision damage, theft, vandalism, medical expenses, and liability for damage you cause to others.
Some marinas or states require boat insurance, and it’s highly recommended to protect your investment.
The cost depends on the size, value, and use of your boat, where it’s kept, and your boating experience.

Boat Insurance